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HUBUNGAN FEE BASED INCOME TERHADAP PROFITABILITAS (ROA) PADA BANK UMUM MILIK PEMERINTAH INDONESIA PERIODE 2004–2011

Correlation of Fee Based Income to Profitability (ROA) in Indonesian Government Commercial Banks Period 2004–2011

Tugas Akhir, 045 / 2012 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2014-06-19 08:59:10
Oleh : Meisya Mediani - 095121046 (meisya_miamy@yahoo.com)
Dibuat : 2014-06-19, dengan 4 file

Keyword : fee based income, profitabilitas dan return on assets
Subjek : Fee-based income, profitability and return on assets

Penelitian ini berjudul "Hubungan Fee Based Income terhadap Profitabilitas (ROA) pada Bank Umum Milik Pemeritah Indonesia". Penelitian ini bertujuan untuk mengetahui hubungan antara fee based income dan profitabilitas pada bank umum milik pemerintah pada periode 2004-2011 . Penelitian ini menggunakan metode analisis korelasi person product moment untuk menganalisis hubungan antara fee based income dan profitabilitas yang diukur dengan return on assets pada Bank Umum Milik Pemerintah, yaitu Bank Negara Indonesia, Bank Rakyat Indonesia, Bank Tabungan Negara dan Bank Mandiri. Fee Based Income adalah pendapatan bank diluar kegiatan penyaluran kredit. Hasil penelitian ini menunjukan hubungan fee based income dan return on asset bersifat positif sedang dengan r sebesar 0,442 terjadi pada Bank Mandiri dan hubungan positif lemah dengan r sebesar 0,351 pada Bank Negara Indonesia, sedangkan hubungan negatif dengan r sebesar -0,270 terjadi pada Bank Rakyat Indonesia dan r sebesar -0,034 terjadi Bank Tabungan Negara. Hubungan positif antara fee based income dan profitabilitas yang diukur dengan return on asset mengindikasikan kenaikan fee based income akan menyebabkan kenaikan pada profitabilitas, begitupun sebaliknya. Bank Mandiri dan Bank Negara Indonesia telah mengoptimalkan fee based income, terbukti dari perkembangannya yang cenderung positif dengan jumlah yang besar. Penelitian ini merekomendasikan agar Bank Umum Milik Pemerintah mengoptimalkan fee based income sebagai salah satu komponen pendapatan untuk meningkatkan laba bersih. Kata kunci: fee based income, profitabilitas dan return on assets.

Deskripsi Alternatif :

This research entitled "Correlation Between Fee-based Income and Profitability (ROA) in Indonesian Government Commercial Banks". The aim of this study is to find correlation between fee-based income and profitability which is measured by return on assets in Government-owned banks in Indonesia and research period from 2004 to 2011. This study used pearson product moment correlation analysis method to analyzed the correlation between fee-based income and profitability which is measured by return on assets in Government-owned commercial banks in Indonesia, they are Bank Negara Indonesia, Bank Rakyat Indonesia, Bank Tabungan Negara and Bank Mandiri. Fee based income is other revenue beside revenue from credit disbursement. The result of the study shows that the relationship between fee-based income and profitability which is measured by return on assets have positive correlation with r value 0,442 occurs in Bank Mandiri and positive correlation with r value 0,351 occurs in Bank Negara Indonesia. Negative correlation between fee-based income and profitability with r value -0,270 occurs in Bank Rakyat Indonesia and negative correlation with value -0,034 occurs in Bank Tabungan Negara. Positive relationship indicates that increase of fee-based income will cause raise on profitability and including on the contrary. Bank Mandiri and Bank Negara Indonesia have been optimizing fee-based income as evidenced by the positive growth of fee-based income. This study recommended that Government-owned commercial banks have to optimize fee-based income as one of a component of income to gain their profit. Keywords: Fee-based income, profitability and return on assets.

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E-mail Administratorhelmi.purwanti@polban.ac.id
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