PENGARUH NPL, NIM, BOPO, LDR, DAN PROFITABILITAS TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK UMUM SWASTA NASIONAL DEVISA DI INDONESIA PERIODE 2014 – 2018

RANA HUSNA MAHDIYYAH, . (2021) PENGARUH NPL, NIM, BOPO, LDR, DAN PROFITABILITAS TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK UMUM SWASTA NASIONAL DEVISA DI INDONESIA PERIODE 2014 – 2018. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh rasio-rasio keuangan terhadap rasio kecukupan modal pada BUSN Devisa di Indonesia Periode 2014 – 2018. Variabel independen yang digunakan dalam penelitan ini adalah Non Performing Loan (NPL), Net Interest Margin (NIM), Beban Operasional Pendapatan Operasional (BOPO), Loan To Deposit Ratio (LDR), serta Proksi Profitabilitas yaitu Return on Equity (ROE) dan Return on Assets (ROA). Variabel dependen yang digunakan adalah Capital Adequacy Ratio (CAR). Data yang digunakan dalam penelitian ini berupa laporan publikasi triwulanan perbankan BUSN Devisa yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2014 – 2018 (200 observasi). Metode pengambilan sampel yang digunakan dalam penelitian ini menggunakan metode purposive sampling dengan balanced panel data. Sampel dari penelitian ini sebanyak 10 jenis BUSN Devisa di Indonesia periode 2014 – 2018. Model yang digunakan dalam penelitian ini adalah data panel dengan pendekatan random effect model. Hasil penelitian menunjukkan bahwa NIM berpengaruh positif signifikan terhadap CAR. BOPO, LDR, dan Profitabilitas berpengaruh negatif signifikan terhadap CAR. The aim of study is to see the effect of financial ratios on capital adequacy ratios in foreign exchange BUSN in Indonesia for the 2014 – 2018 period. The independent variables used in this research are Non Performing Loan (NPL), Net Interest Margin (NIM), Operating Expenses and Operating Income (BOPO), Loan To Deposit Ratio (LDR), also Proxy of Profitability i.e. Return on Equity (ROE) and Return on Assets (ROA). The dependent variable used is the Capital Adequacy Ratio (CAR). The data used in this study are in the form of Foreign Exchange Banking banking quarterly publication reports recorded in the Otoritas Jasa Keuangan (OJK) for the period 2014 - 2018 (200 observations). The sampling method used in this study was purposive sampling method with balanced panel data. The sample of this study was 10 types of foreign exchange BUSN in Indonesia period 2014 - 2018. The model used in this study is a data panel with a random effects model approach. The results showed that NIM has a significant positive effect on CAR. BOPO, LDR and Profitability have a significant negative effect on CAR.

Item Type:	Thesis (Sarjana)
Additional Information:	1) Prof. Dr. Hamidah, S.E., M.Si. 2) Dra. Umi Mardiyati, M.Si.
Subjects:	Manajemen > Manajemen Kantor, Organisasi
Divisions:	FE > S1 Manajemen
Depositing User:	Users 8997 not found.
Date Deposited:	24 Feb 2021 18:42
Last Modified:	24 Feb 2021 18:42
URI:	http://repository.unj.ac.id/id/eprint/13201

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