PENGARUH KECUKUPAN MODAL DAN KUALITAS PENYALURAN KREDIT TERHADAP PROFITABILITAS PADA PT. BANK MEGA, Tbk PERIODE 2009-2013 - Utami, Tyas Meliyanti (2014)
Penelitian ini dilatarbelakangi oleh menurunnya tingkat profitabilitas pada Bank Mega periode 2009-2013. Penelitian ini bertujuan untuk mengetahui gambaran kecukupan modal yang diukur dengan Capital Adequancy Ratio (CAR), kualitas penyaluran kredit yang diukur dengan Non Performing Loan (NPL) dan profitabilitas yang diukur dengan Return On Asset (ROA) pada Bank Mega, serta bagaimana pengaruh kecukupan modal dan kualitas penyaluran kredit terhadap profitabilitas. Metode yang digunakan dalam penelitian ini adalah deskriptif dan verifikatif dengan desain penelitian kausal. Data yang digunakan adalah data data sekunder. Sampel dalam penelitian ini adalah laporan keuangan periode 2009-2013 Bank Mega yang berisi tentang kecukupan modal yang diukur dengan Capital Adequancy Ratio (CAR), kualitas penyaluran kredit yang diukur dengan Non Performing Loan (NPL) dan Profitabilitas yang diukur dengan Return On Asset (ROA). Analisis statistik yang digunakan terdiri dari uji asumsi klasik, koefisien determinasi dan analisis regresi linear berganda, serta uji hipotesis dengan menggunakan uji keberartian regresi, dan uji keberartian arah regresi. Hasil penelitian ini menunjukkan bahwa kecukupan modal (CAR) tidak berpengaruh terhadap profitabilitas (ROA). Sedangkan kualitas penyaluran kredit (NPL) berpengaruh negative terhadap profitabilitas (ROA). PT Gamatex Cimahi is a manufacture of denim. At this time, not a few employees who stopped working (resign) from company and emergence of a number of violations in the company. This condition suggest that loyalty of employees tends to decrease. Many factors that cause a decline in employees loyalty, one of which is the ineffectiveness of implementation of Jamsostek Program. This research thus examines want is there any influence of the implementation of Jamsostek Program on loyalty of productions employees in PT Gamatex Cimahi. This research uses survey explanation method, with questionnaires data collection techniques were collected from respondent with a sample size of 83 production's employees . The instrument used was a questionnaires with a rating scale models. The analysis of data uses regression analysis. Analysis of the data finds that the correlation coefficient between Variable X (implementation of Jamsostek Program) to Variable Y (loyalty) is in the medium category. Coefficient of Determination (KD) shows that loyalty of employees is influenced by the Jamsostek Program. Regression coefficient between Variable X (implementation of Jamsostek Program) and the Variable Y (loyalty) is real. If this result confirms to the criteria of rejection hypothesis so it will show that H0 is rejected and H1 is accepted. In conclusion, the results of this research shows that the implementation of Jamsostek Program influence the loyalty on production's employees at PT Gamatex Cimahi. However, loyalty on production's employees in PT Gamatex Cimahi is not only influenced by the implementation of Jamsostek Program course there are the other factors (epsilon) which also affects which are not examined in this research