PENGARUH CAR, LDR, BOPO, NPL, DAN NIM TERHADAP KINERJA KEUANGAN BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2015-2018

Abstract

Abstrak: Pengaruh CAR, LDR, BOPO, NPL, dan NIM terhadap kinerja keuangan bank yang terdaftar di Bursa Efek Indonesia Periode 2015-2018. Penelitian ini berj bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio, Loan to Deposit Ratio, Beban Operasional Pendapatan Operasional, Non Performing Loan, dan  Net Interest Margin terhadap  Kinerja Keuangan Bank yang Terdaftar di Bursa Efek Indonesia Periode 2015-2018. Penelitian ini merupakan jenis penelitian kausal komparatif. Populasi penelitian ini adalah Bank yang terdaftar di Bursa Efek Indonesia periode 2015-2018 sebanyak 45 bank. Dikarenakan dalam populasi terdapat beberapa data yang tidak relevan dengan penelitian, maka digunakan metode purposive sampling untuk memilih sampel penelitian. Teknik pengumpulan data dilakukan dengan dokumentasi dari laporan keuangan yang dapat diperoleh melalui halaman Bursa Efek Indonesia. Teknik analisis data menggunakan analisis regresi linier berganda. Hasil penelitian ini menunjukkan bahwa: (1) Capital Adequacy Ratio berpengaruh terhadap Kinerja Keuangan; (2) Loan to Deposit Ratio berpengaruh  terhadap Kinerja Keuangan; (3) Beban Operasional Pendapatan Operasional berpengaruh terhadap Kinerja Keuangan; (4) Non Performing Loan berpengaruh terhadap Kinerja Keuangan; (5) Net Interest Margin berpengaruh terhadap Kinerja Keuangan; (6) Capital Adequacy Ratio, Loan to Deposit Ratio, Beban Operaisonal Pendapatan Operasional, Non Performing Loan, dan Net Interest Margin secara bersama-sama berpengaruh terhadap Kinerja Keuangan.

Kata kunci: Kinerja Keuangan, Return on Assets, Capital Adequacy Ratio, Loan to Deposit Ratio, Beban Operasional Pendapatan Operasional, Non Performing Loan, Net Interest Margin

Abstract: The effect of CAR, LDR, BOPO, NPL, and NIM toward banks financial performance in Indonesia Stock Exchange within 2015-2018. The goals of this study is to determine the effect of Capital Adequacy Ratio, Loan to Deposit Ratio, Operating Expense Operating Income, Non Performing Loan, and  Net Interest Margin toward Financial Performance. In this comparative casual research, the population are Banks which listed on Indoneisa Stock Exchange within 2015-2018 that 45 banks. Because in population there are included some data that irrelevant with this study, searcher choose to use purposive sampling to select data.. The data analysis techniques in this study simple linear regression and multiple linear regression analysis. The result of this research shows that: (1) Capital Adequacy Ratio has effect toward Financial Performance; (2) Loan to Deposit Ratio has effect toward Financial Performance; (3)  Operating Expense Operating Income has effect toward Financial Performance; (4) Non Performing Loan has effect toward Financial Performance; (5) Net Interest Margin has effect toward Financial Performance; (6) Capital Adequacy Ratio, Loan to Deposit Ratio, Operating Expense Operating Income, Non Performing Loan, and Net Interest Margin that works simultaneously has effect toward Financial Performance.

Keywords: Fiancial Performance, Return on Assets, Capital Adequacy Ratio, Loan to Deposit Ratio, Operating Expense Operating Income, Non Performing Loan, Net Interest Margin