BAB V PENUTUP
C. Saran
Berdasarkan beberapa keterbatasan dalam penelitian ini, maka peneliti memberikan beberapa saran untuk penelitian selanjutnya sebagai berikut:
1. Untuk penelitian selanjutnya disarankan untuk memperluas objek penelitian, seperti Bank Perkreditan Rakyat, Bank Pembangunan Daerah dan bank syariah.
2. Variabel-variabe yang digunakan dalam penelitian ini terbatas pada tiga variabel saja. Untuk penelitian selanjutnya disarankan untuk menggunakan variabel-variabel lain yang berpengaruh terhadap likuiditas bank, baik variabel internal maupun variabel eksternal bank, seperti ukuran bank, Net Working Capital, Return on Equity, suku bunga deposito, tingkat PDB dan suku bunga BI.
3. Bagi peneliti selanjutnya disarankan untuk memperpanjang periode tahun penelitian sehingga hasil yang didapatkan akan lebih beragam.
4. Likuiditas dalam penelitian ini diproksikan olehLoan to Deposit Ratio (LDR).
Untuk penelitian selanjutnya diharakan peneliti dapat menggunakan proksi lain dalam mengukur likuiditas bank karena setiap pengukuran yang digunakan akan menghasilkan temuan yang berbeda.
58
DAFTAR PUSTAKA
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Chaeriah, Nurul. 2013. “Manajemen Likuiditas”. Retrieved from https://nurulchariah.blogspot.com/2013/12/manajemen-likuiditas.html Dasih, K. (2014). Pengaruh Rasio Keuangan Terhadap Return On Asset
Perbankan (Studi pada Bank Umum yang Terdaftar di Bursa Efek Indonesia Periode 2007-2010).
Eng, T.S. 2013. “Pengaruh NIM, BOPO, LDR, NPL & CAR terhadap ROA Bank Internasional Go Public Periode 2007- 2011”.Jurnal Dinamika Manajemen, Vol. 1, No. 3 (2013)
Granita, Jen Kharisa. 2011. “Analisis Pengaruh DPK, CAR, ROA, NPL, NIM, BOPO, Suku Bunga, Inflasi dan Kurs Terhadap LDR Pada Bank Devisa di Indonesia Periode 2002-2009”. Skripsi. Universitas Diponegoro, Semarang.
Hersugondo dan Handy Setyo Tamtomo. 2012. “Pengaruh CAR, NPL, DPK dan ROA terhadap LDR Perbankan Indonesia”. Jurnal Dharma Ekonomi, No.
36 / Th. XIX / Oktober, Semarang, 2012.
Iskandar, D. (2014). “Perhitungan CAR”. Retrieved from https://belajarperbankangratis.blogspot.co.id/2014/10/perhitungan-car.htm Ismail. 2013.“Manajemen Perbankan”.Jakarta: Prenadamedia Group.
Kasmir. 2012. “Dasar-dasar Perbankan”. Jakarta : PT. Raja Grafindo Persada.
Kuncoro, M dan Suhardjono. 2012. Manajemen Perbankan: Teori dan Aplikasi.
Yogyakarta: BPFE
Latumaerissa, Julius R. 2011. “Bank dan Lembaga Keuangan Lain”. Salemba Empat: Jakarta
Nugraha, Romadhoni Eka. 2014. “Analisis Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasional Pendapatan Operasional (BOPO), Return On Asset (ROA) dan Net Interest Margin (NIM) terhadap Loan to Deposit Ratio (LDR) (Studi Empiris pada Perbankan Syariah di Indonesia Periode 2010-2012)”. Jurnal Universitas Muhammadiyah Surakarta, dipublikasikan, 2014.
Prayudi, Arditya. 2011.“Pengaruh Capital Adequecy Ratio (CAR), Non Performing Loan (NPL), BOPO, Return On Assets (ROA) dan Net Interest Margin (NIM) terhadap Loan to Deposit Ratio (LDR)”. Jurnal Universitas Gunadarma, dipublikasikan, 2011
Ramadhani, A.N. & Indriani, A (2016) “Analisis pengaruh Size,Capital Adequacy Ratio (CAR), Return on Assets(ROA), Non Performing Loan (NPL), dan Inflasi terhadap Loan to Deposit Ratio (LDR)”. Diponegoro Journal of Management, Volume 5, Nomor 2, Tahun 2016,
Rosadaria, Gladys. 2012. “Analisis Faktor-Faktor Yang Mempengaruhi Loan To Deposit Ratio Sebagai Likuiditas Perbankan”. Interdisciplynary Journal of Research in Business, Volume 1, Issue 1, January 2012
Rossakies, Emmanuel N. (1997). “Commercial Banking in an Era of Deregulation”Westport, United States : Publisher by ABC-CLIO
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Suryantini, Ni Putu Santi & I Gusti A.P.T.P. 2017. “Determinasi Loan to Deposit Ratiop pada Bank Campuran di Indonesia”. E-Journal Manajemen Unud.
Vol. 6 No. 1, 2017
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Jakarta : Rajawali Pers.
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Dipublikasikan 2014
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Lampiran 1 : Data Penelitian
No. BANK Tahun CAR ROA NPL LDR
1 BACA
2013 30.48 0.74 1.03 50.6
2014 21.58 0.84 0.81 44.24
2015 18 1.32 2.11 59.06
2016 20.13 1.59 0.37 63.35
2017 16.43 1.33 0.34 58.13
2 BBCA
2013 13.5 3.5 0.6 55.2
2014 12.7 3.8 0.5 61.7
2015 14.2 3.6 0.4 68.6
2016 15.7 3.8 0.4 75.4
2017 16.9 3.9 0.6 76.8
3 BBKP
2013 12.06 1.65 3.22 71.85
2014 12.71 1.87 2.88 85.01
2015 16.34 1.83 2.66 65.01
2016 15.12 1.75 2.26 65.8
2017 14.21 1.33 2.78 63.89
4 BBNI
2010 18.6 2.5 4.3 70.2
2011 17.63 2.9 3.6 70.4
2012 16.7 2.9 2.8 77.5
2013 15.09 3.4 2.2 75.3
2014 16.22 3.49 1.96 67.81
5 BBNP
2013 12.94 1.4 0.67 70.41
2014 13.45 1.53 0.88 75.02
2015 12.17 1.57 0.97 64.94
2016 15.75 1.58 0.92 74.44
2017 16.6 1.32 1.86 65.19
6 BBRI
2013 13.76 4.64 2.78 75.17
2014 14.96 4.93 2.32 76.2
2015 16.95 5.15 1.78 79.85
2016 16.99 5.03 1.55 68.54
2017 18.31 4.74 1.69 71.68
7 BDMN
2013 16 2.79 3 73.82
2014 17.5 2.6 2.5 78.3
2015 18.9 2.7 2.3 80.6
2016 17.9 2.5 1.9 75.1
2017 17.9 1.4 2.3 72.6
62
8 BJBR
2013 22.85 3.15 1.86 71.54
2014 18.36 2.65 1.21 72.95
2015 18.11 2.46 2.07 74.09
2016 16.51 2.61 2.83 76.47
2017 16.39 1.94 4.15 63.18
9 BMRI
2013 13.36 3.5 2.21 65.44
2014 15.34 3.37 2.18 71.65
2015 15.48 3.55 1.74 77.66
2016 14.93 3.66 1.6 82.97
2017 16.6 3.57 1.66 82.02
10 BNBA
2013 25.01 1.47 2.25 54.18
2014 19.96 2.11 1.07 67.53
2015 19.18 2.47 0.63 77.95
2016 15.99 2.05 0.21 83.95
2017 15.07 1.52 0.25 79.45
11 BNGA
2013 13.47 2.75 2.53 68.04
2014 13.16 2.85 2.64 79
2015 15.16 3.18 2.29 65.04
2016 15.36 2.76 2.23 69.9
2017 15.58 1.44 3.9 79.46
12 BNII
2013 12.65 1.01 3.09 69.03
2014 12.03 1.11 2.14 75.07
2015 12.83 1.62 1.7 72.97
2016 12.72 1.71 2.11 73.24
2017 15.72 0.67 2.23 62.67
13 BSIM
2013 14.1 1.44 1.26 73.64
2014 13.98 1.07 0.88 69.5
2015 18.09 1.74 3.18 60.78
2016 21.82 1.71 2.5 78.72
2017 18.38 1.02 3 73.88
14 BSWD
2013 26.91 2.93 3.55 77.36
2014 23.19 3.66 1.98 65.71
2015 21.1 3.14 1.4 73.21
2016 15.26 3.8 1.59 73.76
2017 14.27 3.37 1.15 68.06
15 BT PN
2013 23.4 4 1.1 71
2014 20.5 4.4 0.7 85
2015 21.5 4.7 0.6 86
2016 23.1 4.5 0.7 88
2017 23.3 3.6 0.7 97
16 BVIC
2013 10.8 1.71 5.07 40.22
2014 14.86 2.65 2.38 63.62
2015 17.96 2.17 2.3 67.59
2016 18.2 1.99 0.92 74.73
2017 18.25 0.8 3.52 70.25
17 INPC
2013 14.52 0.76 2.58 76.13
2014 12.65 0.72 2.96 82.21
2015 16.45 0.66 0.85 77.42
2016 15.82 1.39 1.96 68.87
2017 15.76 0.78 1.92 77.62
18 MCOR
2013 17.12 1.11 2.08 61.29
2014 11.67 0.96 2.18 59.3
2015 13.86 2.04 1.98 60.22
2016 14.68 1.74 1.69 72.73
2017 14.15 0.79 2.71 74.03
19 MEGA
2013 15.03 2.45 0.9 56.03
2014 11.86 2.29 0.98 63.75
2015 16.83 2.74 2.09 52.39
2016 15.74 1.14 2.17 57.41
2017 15.23 1.16 2.09 68.85
20 NISP
2013 16.04 1.09 2 77.96
2014 13.75 1.91 1.26 67.04
2015 16.49 1.79 0.91 66.79
2016 19.28 1.81 0.73 72.49
2017 18.74 1.79 1.34 73.59
21 SDRA
2013 19.69 2.78 1.76 60.2
2014 13.38 3 1.65 51.7
2015 17.3 2.78 1.99 54.39
2016 27.91 2.23 2.64 70.59
2017 21.71 2.81 2.51 71.2
64
Lampiran 2 :Perkembangan Non Performing Loan (NPL) Tahun 2013-2017
No. Bank
Tahun
Rata-rata
2013 2014 2015 2016 2017
1 Bank Capital Indonesia Tbk 1.03 0.81 2.11 0.37 0.34 0.932
2 Bank Central Asia Tbk. 0.6 0.5 0.4 0.4 0.6 0.5
3 Bank Bukopin Tbk. 3.22 2.88 2.66 2.26 2.78 2.76
4 Bank Negara Indonesia (Persero) Tbk. 4.3 3.6 2.8 2.2 1.96 2.972
5 Bank Nusantara Parahyangan Tbk. 0.67 0.88 0.97 0.92 1.86 1.06
6 Bank Rakyat Indonesia (Persero) Tbk. 2.78 2.32 1.78 1.55 1.69 2.024
7 Bank Danamon Indonesia Tbk. 3 2.5 2.3 1.9 2.3 2.4
8 BPD Jawa Barat dan Banten Tbk. 1.86 1.21 2.07 2.83 4.15 2.424
9 Bank Mandiri (Persero) Tbk. 2.21 2.18 1.74 1.6 1.66 1.878
10 Bank Bumi Arta Tbk. 2.25 1.07 0.63 0.21 0.25 0.882
11 Bank CIMB Niaga Tbk. 2.53 2.64 2.29 2.23 3.9 2.718
12 Bank Internasional Indonesia Tbk. 3.09 2.14 1.7 2.11 2.23 2.254
13 Bank Sinarmas Tbk. 1.26 0.88 3.18 2.5 3 2.164
14 Bank of India Indonesia Tbk. 3.55 1.98 1.4 1.59 1.15 1.934
15 Bank T abungan Pensiun Nasional Tbk. 1.1 0.7 0.6 0.7 0.7 0.76
16 Bank Victoria Internasional Tbk. 5.07 2.38 2.3 0.92 3.52 2.838
17 Bank Arta Graha Internasional Tbk. 2.58 2.96 0.85 1.96 1.92 2.054
18 Bank Windu Kentjana Internasional Tbk.
2.08 2.18 1.98 1.69 2.71 2.128
19 Bank Mega Tbk. 0.9 0.98 2.09 2.17 2.09 1.646
20 Bank OCBC NISP Tbk. 2 1.26 0.91 0.73 1.34 1.248
21 Bank Himpunan Saudara 1906 Tbk. 1.76 1.65 1.99 2.64 2.51 2.11
RATA-RATA 2.2780952 1.7952381 1.75 1.5942857 2.0314286 1.8898095
NILAI MAKSIMUM 5.07 3.6 3.18 2.83 4.15
NILAI MINIMUM 0.6 0.5 0.4 0.21 0.25
Lampiran 3 :Perkembangan Loan to Deposit Ratio (LDR) Tahun 2013-2017
No. Bank Tahun
Rata-rata
2013 2014 2015 2016 2017
1 Bank Capital Indonesia Tbk 50.6 44.24 59.06 63.35 58.13 55.076
2 Bank Central Asia Tbk. 55.2 61.7 68.6 75.4 76.8 67.54
3 Bank Bukopin Tbk. 71.85 85.01 65.01 65.8 63.89 70.312
4 Bank Negara Indonesia (Persero) Tbk. 70.2 70.4 77.5 75.3 67.81 72.242
5 Bank Nusantara Parahyangan Tbk. 70.41 75.02 64.94 74.44 65.19 70
6 Bank Rakyat Indonesia (Persero) Tbk. 75.17 76.2 79.85 68.54 71.68 74.288
7 Bank Danamon Indonesia Tbk. 73.82 78.3 80.6 75.1 72.6 76.084
8 BPD Jawa Barat dan Banten Tbk. 71.54 72.95 74.09 76.47 63.18 71.646
9 Bank Mandiri (Persero) Tbk. 65.44 71.65 77.66 82.97 82.02 75.948
10 Bank Bumi Arta Tbk. 54.18 67.53 77.95 83.95 79.45 72.612
11 Bank CIMB Niaga Tbk. 68.04 79 65.04 69.9 79.46 72.288
12 Bank Internasional Indonesia Tbk. 69.03 75.07 72.97 73.24 62.67 70.596
13 Bank Sinarmas Tbk. 73.64 69.5 60.78 78.72 73.88 71.304
14 Bank of India Indonesia Tbk. 77.36 65.71 73.21 73.76 68.06 71.62
15 Bank Tabungan Pensiun Nasional Tbk. 40.22 63.62 67.59 74.73 70.25 63.282 16 Bank Victoria Internasional Tbk. 40.22 63.62 67.59 74.73 70.25 63.282 17 Bank Arta Graha Internasional Tbk. 76.13 82.21 77.42 68.87 77.62 76.45 18 Bank Windu Kentjana Internasional Tbk. 61.29 59.3 60.22 72.73 74.03 65.514
19 Bank Mega Tbk. 56.03 63.75 52.39 57.41 68.85 59.686
20 Bank OCBC NISP Tbk. 77.96 67.04 66.79 72.49 73.59 71.574
21 Bank Himpunan Saudara 1906 Tbk. 60.2 51.7 54.39 70.59 71.2 61.616
RATA-RATA 64.691904
76
68.739047 62
68.745238 1
72.785238 1
70.981428 57
69.188571 43
NILAI MAKSIMUM 77.96 85.01 80.6 83.95 82.02
NILAI MINIMUM 40.22 44.24 52.39 57.41 58.13
66
Lampiran 4 :Perkembangan Return on Assets (ROA) Tahun 2013-2017
No. Bank Tahun
Rata-rata
2013 2014 2015 2016 2017
1 Bank Capital Indonesia Tbk 0.74 0.84 1.32 1.59 1.33 1.164
2 Bank Central Asia Tbk. 3.5 3.8 3.6 3.8 3.9 3.72
3 Bank Bukopin Tbk. 1.65 1.87 1.83 1.75 1.33 1.686
4 Bank Negara Indonesia (Persero) Tbk. 2.5 2.9 2.9 3.4 3.49 3.038
5 Bank Nusantara Parahyangan Tbk. 1.4 1.53 1.57 1.58 1.32 1.48
6 Bank Rakyat Indonesia (Persero) Tbk. 4.64 4.93 5.15 5.03 4.74 4.898
7 Bank Danamon Indonesia Tbk. 2.79 2.6 2.7 2.5 1.4 2.398
8 BPD Jawa Barat dan Banten Tbk. 3.15 2.65 2.46 2.61 1.94 2.562
9 Bank Mandiri (Persero) Tbk. 3.5 3.37 3.55 3.66 3.57 3.53
10 Bank Bumi Arta Tbk. 1.47 2.11 2.47 2.05 1.52 1.924
11 Bank CIMB Niaga Tbk. 2.75 2.85 3.18 2.76 1.44 2.596
12 Bank Internasional Indonesia Tbk. 1.01 1.11 1.62 1.71 0.67 1.224
13 Bank Sinarmas Tbk. 1.44 1.07 1.74 1.71 1.02 1.396
14 Bank of India Indonesia Tbk. 2.93 3.66 3.14 3.8 3.37 3.38
15 Bank T abungan Pensiun Nasional Tbk. 4 4.4 4.7 4.5 3.6 4.24
16 Bank Victoria Internasional Tbk. 1.71 2.65 2.17 1.99 0.8 1.864
17 Bank Arta Graha Internasional Tbk. 0.76 0.72 0.66 1.39 0.78 0.862
18 Bank Windu Kentjana Internasional Tbk. 1.11 0.96 2.04 1.74 0.79 1.328
19 Bank Mega Tbk. 2.45 2.29 2.74 1.14 1.16 1.956
20 Bank OCBC NISP Tbk. 1.09 1.91 1.79 1.81 1.79 1.678
21 Bank Himpunan Saudara 1906 Tbk. 2.78 3 2.78 2.23 2.81 2.72
RATA-RATA 2.2557143 2.4390476 2.5766667 2.5119048 2.0366667 2.364
NILAI MAKSIMUM 4.64 4.93 5.15 5.03 4.74
NILAI MINIMUM 0.74 0.72 0.66 1.14 0.67
Lampiran 5 :Perkembangan Biaya Operasional Pendapatan Operasional (BOPO) Tahun 2013-2017
No. BANK TAHUN
Rata-rata
2013 2014 2015 2016 2017
1 Bank Capital Indonesia Tbk 66.43 67.22 63.93 62.41 64.98 64.99
2 Bank Central Asia Tbk. 70.86 66.69 59.93 60.58 65.37 64.69
3 Bank Bukopin Tbk. 77.16 76.32 71.35 73.03 86.25 76.82
4 Bank Negara Indonesia (Persero) Tbk. 65.12 60.87 62.41 61.52 62.43 62.47 5 Bank Nusantara Parahyangan Tbk. 75.99 72.58 70.99 67.12 69.78 71.29 6 Bank Rakyat Indonesia (Persero) Tbk. 81.07 80.17 77.27 79.67 76.61 78.96
7 Bank Danamon Indonesia Tbk. 92.38 92.15 87.71 84.66 94.91 90.36
8 BPD Jawa Barat dan Banten Tbk. 82.72 79.85 78.93 78.03 79.46 79.80
9 Bank Mandiri (Persero) Tbk. 84.98 82.05 81.42 82.73 88.27 83.89
10 Bank Bumi Arta Tbk. 76.6 80.02 80.02 79.41 85.94 80.40
11 Bank CIMB Niaga Tbk. 80.04 76.57 74.03 74.63 80.58 77.17
12 Bank Internasional Indonesia Tbk. 77.79 81.84 76.73 89.66 91.25 83.45
13 Bank Sinarmas Tbk. 91.75 92.43 93.03 85.27 91.72 90.84
14 Bank of India Indonesia Tbk. 88.21 78.36 78.82 81.35 93.25 84.00
15 Bank Tabungan Pensiun Nasional Tbk. 91.41 93.55 88.55 88.5 94.54 91.31 16 Bank Victoria Internasional Tbk. 79.3 80.03 81.49 84.48 56.04 76.27 17 Bank Arta Graha Internasional Tbk. 91.21 92.97 81.74 84.73 93.19 88.77 18 Bank Windu Kentjana Internasional Tbk. 85.17 85.77 85.18 86.35 88.37 86.17
19 Bank Mega Tbk. 92.75 92.82 86.85 86.38 87.81 89.32
20 Bank OCBC NISP Tbk. 73.35 67.51 72.31 69.09 74.92 71.44
21 Bank Himpunan Saudara 1906 Tbk. 85.15 86.67 78.71 82.33 87.41 84.05
RATA-RATA 81.40 80.31 77.69 78.19 81.58 79.83
NILAI MAKSIMUM 92.75 93.55 93.03 89.66 94.91
NILAI MINIMUM 65.12 60.87 59.93 60.58 56.04
68
Lampiran 6 : Hasil Analisis SPSS 1. Descriptive Statistics
Descriptive Statistics
N Minimum Maximum Mean Std. Deviation
CAR 105 10.80 30.48 16.7698 3.60085
ROA 105 .66 5.15 2.3640 1.14405
NPL 105 .21 5.07 1.8898 .97049
LDR 105 40.22 97.00 70.2418 9.23965
Valid N (listwise) 105
2. GrafikHistogram
3. Grafik Normal P Plot
4. Uji Kolmogorov-Smirnov
One-Sample Kolmogorov-Smirnov Test
Unstandardized Residual
N 105
Normal Parametersa,b Mean .0000000
Std. Deviation 8.87359404
Most Extreme Differences Absolute .068
Positive .055
Negative -.068
Test Statistic .068
Asymp. Sig. (2-tailed) .200c,d
a. Test distribution is Normal.
b. Calculated from data.
c. Lilliefors Significance Correction.
d. This is a lower bound of the true significance.
70
5. Uji Multikolinearitas
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig.
Collinearity Statistics
B Std. Error Beta Tolerance VIF
1 (Constant) 65.304 4.976 13.124 .000
CAR .061 .249 .024 .245 .807 .973 1.027
ROA 2.086 .791 .258 2.638 .010 .952 1.050
NPL -.538 .927 -.057 -.581 .563 .964 1.037
a. Dependent Variable: LDR
6. Uji Autokorelasi
Model Summaryb
Model R R Square
Adjusted R Square
Std. Error of the
Estimate Durbin-Watson
1 .279a .078 .050 9.00442 1.265
a. Predictors: (Constant), NPL, CAR, ROA b. Dependent Variable: LDR
7. Uji Heterokedastisitas
8. Uji Signifikan (Uji-t)
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig.
B Std. Error Beta
1 (Constant) 65.304 4.976 13.124 .000
CAR .061 .249 .024 .245 .807
ROA 2.086 .791 .258 2.638 .010
NPL -.538 .927 -.057 -.581 .563
a. Dependent Variable: LDR
9. Uji Koefisien Determinasi
Model Summaryb
Model R R Square
Adjusted R Square
Std. Error of the Estimate
1 .279a .078 .050 9.00442
a. Predictors: (Constant), NPL, CAR, ROA b. Dependent Variable: LDR
72
Lampiran 7 : Permohonan Izin Penelitian
Lampiran 8 : Jawaban Permohonan Penelitian