ANALISIS PENGARUH CAR, NIM, DAN BOPO TERHADAP PROFITABILITAS BANK UMUM KONVENSIONAL DI INDONESIA

• Main Author: Triadi, Rivo (Author)
• Format: Book
• Published: 2016-02-24.
• Subjects: Thesis; NonPeerReviewed
• Online Access: Link Metadata
• Notes: http://repository.upi.edu/23613/1/S_PEA_1100587_Title.pdf; http://repository.upi.edu/23613/2/S_PEA_1100587_Abstract.pdf; http://repository.upi.edu/23613/3/S_PEA_1100587_Table_of_content.pdf; http://repository.upi.edu/23613/4/S_PEA_1100587_Chapter1.pdf; http://repository.upi.edu/23613/5/S_PEA_1100587_Chapter2.pdf; http://repository.upi.edu/23613/6/S_PEA_1100587_Chapter3.pdf; http://repository.upi.edu/23613/7/S_PEA_1100587_Chapter4.pdf; http://repository.upi.edu/23613/8/S_PEA_1100587_Chapter5.pdf; http://repository.upi.edu/23613/10/S_PEA_1100587_Bibliography.pdf; http://repository.upi.edu/23613/9/S_PEA_1100587_Appendix.pdf
• Keywords: HB Economic Theory; HJ Public Finance

Penelitian ini bertujuan untuk menguji secara empiris terkait dengan (1) pengaruh CAR terhadap Profitabilitas Bank Umum Konvensional di Indonesia, (2) pengaruh NIM terhadap Profitabilitas Bank Umum Konvensional di Indonesia, dan (3) pengaruh BOPO terhadap Profitabilitas Bank Umum Konvensional di Indonesia. Profitabilitas dalam penelitian ini diukur dengan menggunakan rasio keuangan Return On Asset (ROA). Penelitian ini menggunakan metode penelitian asosiatif dimana penulis akan mencoba untuk menjawab pengaruh antar variabel yang ada X1, X2, dan X3 terhadap Y. Dalam menentukan sampel pada penelitian ini, penulis menggunakan metode purposive sampling sehingga terkumpul 24 bank sebagai sampel penelitian. Sedangkan teknik analisis data dalam penelitian ini menggunakan data panel (pool data). Hal tersebut dikarenakan pada penelitian ini menggunakan data jenis time series dan juga cross section. Hasil penelitian menunjukan bahwa Variabel Capital Adequacy Ratio (CAR) berpengaruh negatif terhadap Return on Assets (ROA) yang berarti tiap peningkatan nilai rasio CAR akan berbanding terbalik dengan nilai rasio ROA. Variabel Net Interest Margin (NIM) berpengaruh positif terhadap Return On Assets (ROA) yang berarti tiap peningkatan nilai rasio NIM akan berbanding lurus dengan nilai rasio ROA. Serta variabel Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh negatif terhadap Return on Assets (ROA) yang berarti tiap peningkatan nilai rasio BOPO akan berbanding terbalik dengan nilai rasio ROA. ; This study aims to test empirically related to (1) the effect of CAR on the profitability of conventional commercial bank in Indonesia, (2) the effect of NIM to Profitability Conventional Commercial Bank in Indonesia, and (3) the impact on the profitability BOPO Conventional Commercial Bank in Indonesia. Profitability in this study was measured using financial ratios Return on Assets (ROA). This study uses associative research in which I will attempt to answer any influence between the variables X1, X2, and X3 to Y. In determining the sample in this study, the authors used a purposive sampling method so collected 24 banks as samples. Data analysis technique in this research is using panel data (the data pool). That is because in this study using a data type of time series and cross section. The results showed that the Variable Capital Adequacy Ratio (CAR) negatively affect the Return On Assets (ROA) which means any increase in the value of the CAR will be inversely proportional to the value of ROA. Variable Net Interest Margin (NIM) has positive influence on Return On Assets (ROA) which means any increase in the value of the ratio of NIM will be directly proportional to the value of ROA. As well as variable Operating Expenses to Operating Income (ROA) negatively affect the Return On Assets (ROA) which means any increase in the value of ROA ratio will be inversely proportional to the value of ROA.