PENGARUH CAR, LDR, NPL DAN BOPO TERHADAP PROFITABILITAS BANK

Abstract

Abstrak: PENGARUH CAR, LDR, NPL DAN BOPO TERHADAP PROFITABILITAS BANK. Penelitian ini bertujuan untuk mengetahui pengaruh: (1) Capital Adequacy Ratio terhadap Profitabilitas Bank; (2) Loan to Deposit Ratio terhadap Profitabilitas Bank; (3) Non Performing Loan terhadap Profitablitas Bank; (4) Beban Operasional Pendapatan Operasional terhadap Profitabilitas Bank.; dan (5) Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, Beban Operasional Pendapatan Operasional dan secara bersama-sama terhadap Profitabilitas Bank. Populasi penelitian ini adalah Bank yang terdaftar di Bursa Efek Indoensia periode 2015-2019 sebanyak 43 bank. Pengambilan sampel dilakukan menggunakan metode purposive sampling dan diperoleh sampel sebanyak 17 Bank Konvensional. Teknik pengumpulan data dilakukan dengan dokumentasi dari laporan keuangan yang dapat diperoleh melalui halaman Bursa Efek Indonesia di website resmi yaitu www.idx.co.id. Teknik analisis data menggunakan analisis statistik deskriptif, uji prasyarat analisis, analisis regresi linier sederhana dan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa CAR berpengaruh positif dan tidak signifikan terhadap profitabilitas, LDR berpengaruh negatif dan tidak siginifikan terhadap profitabilitas, NPL berpengaruh negatif dan tidak siginifikan terhadap profitabilitas, BOPO berpengaruh negatif dan tidak siginifikan terhadap profitabilitas, dan CAR, LDR, NPL dan BOPO secara bersama-sama berpengaruh positif dan signifikan terhadap profitabilitas.

Kata kunci: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Biaya Operasional Pada Pendapatan Operasional (BOPO) Dan Profitabilitas.

Abstract: THE EFFECT OF CAR, LDR, NPL AND BOPO ON BANK PROFITABILITY.  The goals of this study is to determine the effect of (1) Capital Adequacy Ratio toward Financial Performance; (2) Loan to Deposit Ratio  toward Bank Profitability; (3) Non Performing Loan toward Bank Profitability; (4) Operating Expense Operating Income toward Bank Profitability; and (5) Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, and Operating Expense Operating Income, all of that variable are affecting toward Bank Profitability. In this comparative casual research, the population are Banks which listed on Indoneisa Stock Exchange within 2015-2019 that 17 banks. In those banks, researcher use purposive sampling methode to eliminate some banks. Therefor 15 banks are eliminated. The analysis data techniques in this study are such as descriptive statistical analysis, test requirements analysis, simple linear regression and multiple linear regression analysis. The result of this research shows that: (1) Capital Adequacy Ratio has positive effect not significant toward Bank Profitability (2) Loan to Deposit Ratio has positive effect and significant toward Bank (3) Non Performing Loan has negative effect not significant toward Bank Profitability (4) Operating Expense Operating Income has negative effect not significant toward Bank Profitability (5) Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan and Operating Expense Operating Income, that works simultaneously has positive effect and significant toward Bank Profitability.

Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Operating Expenses to Operating Income and Profitability.