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The Influence Of CAR, NPL And LDR To ROA At Private Nasional Bank Foreign Exchange Period 2011-2015

Tugas Akhir, 056 / 2017 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2018-02-14 11:40:56
Oleh : Stefany Simbolon - 145121058 (stefanysimbolon45@yahoo.co.id)
Dibuat : 2018-02-14, dengan 4 file

Keyword : CAR, NPL, LDR dan ROA
Subjek : CAR, NPL, LDR and ROA

Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio, Non Performing Loan dan Loan to Deposit Ratio terhadap Profitabilitas Bank Umum Swasta Nasional Devisa yang memiliki total aset > 100 trilyun Periode 2011 – 2015. Penelitian ini menggunakan data sekunder yag diperoleh melalui dokumentasi berupa laporan keuangan triwulanan dari Bank Umum Swasta Nasional Devisa. Analisis data dilakukan dengan analisis kuantitatif berupa analisis regresi berganda data panel serta uji asumsi klasik yang terdiri dari uji normalitas dan uji multikolinearitas. Berdasarkan hasil penelitian bahwa secara parsial ditemukan bahwa Capital Adequacy Ratio (CAR) dan Loan to Deposit Ratio (LDR) tidak berpengaruh terhadap Return On Asset (ROA). Sedangkan Non Performing Loan (NPL) berpengaruh secara signifikan terhadap Return On Asset (ROA). Secara simultan semua variabel independen berpengaruh signifikan. Kelemahan dalam penelitian ini adalah periode yang digunakan kurang up to date serta tolok ukut dari profitabilitas hanya dilihat dalam bentuk Return On Asset (ROA). Kelebihan dalam penelitian ini adalah objek yang diteliti berbeda dari lainnya. Kata Kunci: CAR, NPL, LDR dan ROA.

Deskripsi Alternatif :

This study simed at finding out the contribution of Capital Adequacy Ratio, Non Performing Loan and Loan to Deposit Ratio on the Profitability of the National Private Commercial Bank with total assets> 100 trillion Period 2011 - 2015. This study utilized a secondary data obtained through documentation in the form of quarterly financial reports From Private Foreign Exchange National Bank. Data analysis was done by quantitatively analysis in the form of multiple regression analysis of panel data and classical assumption test consisting of normality test and multykoinearity test. Based on result of research that partially found that Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) have no effect to Return On Asset (ROA). While Non Performing Loan (NPL) has a significant effect on Return On Assets (ROA). Simultaneously all the independent variables have a significant effect. The weakness of this study is that the period used is less up to date and the benchmark of profitability is only seen in the form of Return On Assets (ROA). The strength in this study is the object studied is different from others. Keywords: CAR, NPL, LDR and ROA.

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