PENGARUH KECUKUPAN MODAL DAN LIKUIDITAS TERHADAP PROFITABILITAS PADA PT. BANK OCBC NISP, Tbk - Nurul Nur Ramdhini, - (2012)
Penelitian ini bertujuan untuk mengetahui bagaimana gambaran kecukupan modal, likuiditas dan profitabilitas serta menguji pengaruh kecukupan modal dan likuiditas terhadap profitabilitas pada PT. Bank OCBC NISP, Tbk.Metode yang digunakan dalam penelitian ini adalah metode deskriptif da verifikatif, kemudian teknik yang digunakan adalah regresi linier berganda dan pengujian hipotesis menggunakan teknik uji asumsi klasik, analisis korelasi product moment, analisis koefisien determinasi dan uji hipotesis dengan menggunakan uji t serta uji f. Penelitian ini menggunakan sampel laporan keuangan perusahaan PT. OCBC NISP, Tbk. Teknik pengambilan sampel menggunakan purposive sampling.Hasil penelitian menunjukan bahwa perkembangan capital adequacy ratio (CAR) dan loan to deposit ratio (LDR) PT. Bank OCBC NISP, Tbk tergolong fluktuatif. Nilai rata- rata CAR dan LDR cenderung mengalami penurunan begitu pula nilai rata- rata ROA. PT. Bank OCBC NISP, Tbk memiliki nilai ROA yang menurun menunjukan kondisi perusahaan kurang baik. Pengaruh CAR dan LDR terhadap ROA yakni sebesar 16.4% sedangkan sisanya 83.6% dijelaskan oleh variabel yang tidak diteliti. Hasil perhitungan menunjukan bahwa CAR dan LDR mempunyai hubungan yang sedang dengan ROA. Namun CAR dan LDR pun tidak mempunyai pengaruh yang signifikan.Kata Kunci: Capital Adequacy Ratio, Loan to Deposit Ratio dan Return On Asset guidance of Prof. Dadang Sadeli M.Si., and Mayasari SE., MM.The purpose of this research was determined the describtion of capital adequacy, liquidity, and profitability as well determined the effect of capital adequacy and liquidity to profitability in PT. Bank OCBC NISP, TbkMethod in this research used descriptive and verification methods and techniques of analysis use double regression analysis. Hypothesis testing in this research used classic assumption test, product moment correlation analysis, coefficient determination and hypothesis test used t- test and f-test. Tihis research used a sample of company financial report PT. Bank OCBC NISP, Tbk. Method of the sample interpretation is purposive sampling.The result show capital adequacy and liquidity PT. Bank OCBC NISP, Tbk are classified as fluctuate, the average of value of capital adequacy and liquidity in 2006-2010 tend to decrease same thing with return on asset the average of value have decrease. PT. OCBC NISP, Tbk have return on asset value is likely decline, it is show the condition of the value of companies that are less good. Then the influence of capital adequacy ratio and loan to deposit ratio on the return on asset wich is equal 16.4% and then the rest is equal to 83.6% are influenced by other factors that are not analyzed by the writer. The calculation result show the capital adequacy ratio and loan to deposit ratio has a middle relationship with return on asset. But capital adequacy ratio and loan to deposit ratio has not a significant influence on return on asset. Keyword: Capital Adequacy Ratio, Loan to Deposit Ratio dan Return On Asset