FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA BANK PERKREDITAN RAKYAT DI JAWA

RIO HERJATI, . (2014) FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA BANK PERKREDITAN RAKYAT DI JAWA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Tujuan dari penelitian ini adalah untukmenganalisa faktor-faktorapasaja yang dapatmempengaruhikinerja Bank Perkreditan Rakyat. PengukurankinerjamenggunakanReturn On Asset (Model 1a) danNet Interest Margin (Model 1b).Tingkat kesehatan bank bisa dilihat dari kinerja bank melalui penilaian faktor permodalan, kualitas asset, manajemen, rentabilitas dan likuiditas (CAMEL).Data yang digunakan merupakan data sekunder yang didapatkandari website resmi Bank Indonesia. Sampel dalam penelitiansebanyak 100BPR denganperiodepenelitiantahun 2009 - 2012.Hasil analisis deskriptif menunjukkan bahwa rata-rata Bank Perkreditan Rakyat sudah mampuberpredikatsehatmenurutperaturan Bank Indonesia. Analisis dalam penelitian ini merupakan analisis data panel dengan pendekatan fixed effectuntuk model 1a dan1b. Dari hasil pengujian penelitian ini, diketahui bahwa secara simultan rasio Capital Adequacy Ratio (CAR), EfisiensiOperasional (BOPO), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) danUkuran BPR (Size) berpengaruh terhadapkinerja BPR yang diukurdenganReturn On Aset (ROA) danNet Interest Margin (NIM). Pada model 1a, secara parsialCAR, BOPO dan Size berpengaruh signifikan terhadapROA.Dimana CAR berpengaruhpositif, sedangkan BOPO dan Size berpengaruhnegatif. Sementara LDR dan NPL tidak berpengaruh signifikan terhadap ROA dan arahnya adalah positif. Danpada model 1b, secara parsialCAR dan Size yang berpengaruh negatifsignifikan terhadap NIM. SementaraBOPO, LDR dan NPL tidak berpengaruh signifikan terhadap NIMdanarahnyanegatif. ************** The purpose of this study was to analyze the factors that can affect the performance of rural banks. Measurement of performance using Return on Assets (Model 1a) and Net Interest Margin (Model 1b). Soundness of banks can be seen through the assessment of the performance of bank capital, asset quality, management, earnings and liquidity (CAMEL). The data used are secondary data obtained from the official website of Bank Indonesia. The sample of 100 rural banks with the study period of 2009-2012. Descriptive analysis showed that the average rural banks have been able predicated healthy according to Bank Indonesia regulations. The analysis in this study is an analysis of panel data with fixed effect approach to model 1a and 1b. From the results of this study, it is known that simultaneous ratio Capital Adequacy Ratio (CAR), Operational Efficiency (ROA), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) and Size of Rural Bank (Size) effect on the measured performance of BPR by Return On Assets (ROA) and Net Interest Margin (NIM). In models 1a, CAR, BOPO and Size partially are significant effect on ROA.CAR has positive effect, BOPO and Size has negative effect. While NPL and LDR are no significant effect on ROA and the direction is positive. And in models 1b, partially CAR and Size are significant negative effect on NIM. While BOPO, NPL LDR and no significant effect on NIM and negative direction.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dra. Umi Mardiyati, M.Si. ; 2). Dr. Gatot Nazir Ahmad, S.Si., M.Si.
Subjects:	Ilmu Sosial > Industri, Buruh, Produksi > Perbankan
Divisions:	FE > S1 Manajemen
Depositing User:	Rima Safitri .
Date Deposited:	08 Jan 2021 16:41
Last Modified:	08 Jan 2021 16:41
URI:	http://repository.unj.ac.id/id/eprint/12274

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