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Influence Non Performing Loan (NPL) and Net Interest Margin (NIM) toward the Profitability at the Banking Companies in Indonesia Periods 2011-2015

Tugas Akhir, 016 / 2017 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2017-11-16 13:58:26
Oleh : Hilarry Fitri - 145121016 (hilarry02@gmail.com)
Dibuat : 2017-11-16, dengan 4 file

Keyword : Non Performing Loan (NPL), Net Interest Margin (NIM), Return On Assets (ROA)
Subjek : Non Performing Loan (NPL), Net Interest Margin (NIM), Return On Assets (ROA)

Penelitian ini bertujuan untuk menguji pengaruh Non Performing Loan (NPL) dan Net Interest Margin (NIM) terhadap profitabilitas pada perusahaan perbankan di Indonesia. Populasi dalam penelitian ini menggunakan perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2011 – 2015. Mengambil sampel 4 perusahaan perbankan, dipilih secara purposive sampling. Metode yang digunakan adalah metode deskriptif kuantitatif, data yang digunakan adalah data sekunder yaitu laporan keuangan dan teknik analisis data menggunakan regresi linier berganda. Pengolahan data dalam penelitian ini menggunakan program Software PASW (predictive analytics software) statistik versi 18. Hasil penelitian ini menunjukkan bahwa model regresi penelitian ini telah memenuhi uji asumsi klasik secara keseluruhan, yang berarti bahwa data berdistribusi normal dan bebas dari gejala multikolinieritas, heteroskedastisitas, autokorelasi. Analisis regresi berganda menunjukkan bahwa variabel NPL berpengaruh negatif dan signifikan terhadap ROA, variabel NIM tidak berpengaruh signifikan terhadap ROA. Secara simultan NPL dan NIM memiliki pengaruh signifikan terhadap ROA pada perusahaan perbankan di indonesia periode 2011-2015. Kata Kunci: Non Performing Loan (NPL), Net Interest Margin (NIM), Return On Assets (ROA).

Deskripsi Alternatif :

The purpose of this research is to test the influence of Non Performance Loan (NPL) and Net Interest Margin (NIM) toward the Profitability at the banking companies in Indonesia. Population in this research used banking companies which are listed in Indonesia Stock Exchange (IDX ) period 2011-2015. Samples are 4 banking companies that have been selected by using purposive sampling. This research used descriptive quantitative method, the data has used is secondary data from financial statement , and analysis data used the multiple regression with the assistance of PAWS (predictive analytics software) statistic 18 version has been used as the statistics test instruments. The result of this research describes that overall the regression model of this research has met the classic assumption test, which means data has been normally distributed and that the regressions model of this research is free from any symptoms of multicolinearity, heteroscedasticity, autocorrelation. The multiple regression analysis describes that NPL has significant and negative influence to ROA, NIM has not significant influence to ROA. Simultaneously NPL and NIM have significant influence to ROA at the banking companies in Indonesia period 2011-2015. Keywords: Non Performing Loan (NPL), Net Interest Margin (NIM), Return On Assets (ROA).

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