Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) dan BOPO Terhadap Profitabilitas Bank (Studi Kasus pada Bank Umum Swasta Nasional Devisa Go Public di Bursa Efek Indonesia Periode 2014-2016)

Ulfi , Ariyanti (2018) Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) dan BOPO Terhadap Profitabilitas Bank (Studi Kasus pada Bank Umum Swasta Nasional Devisa Go Public di Bursa Efek Indonesia Periode 2014-2016). Undergraduate thesis, Diponegoro University.

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Abstract

Public confidence in the banks is influencedp by the performance it achieved, thus Bank performance is essential to study. Profitability is the most appropriate indicator to measure the performance of the bank. Profitability ratios are proxied by ROA and ROE. Data from period 2014-2016 shows that the net profitability of BUSN (Foreign Exchange Bank), proxied by ROA and ROE, continued to decline over time. The financial ratios expected to affect the fluctuation in bank profitability are CAR, NPLs, LDR, and BOPO. This study aimed to analyze the effect of CAR, NPLs, LDR, and BOPO on profitability (ROA and ROE) of the Bank. The sample used in the study consisted of 22 private foreign Exchange bank (BUSN) listed on the Indonesia Stock Exchange, period of 2014-2016. The analysis technique used is linear regression analysis and the analysis was done using SPSS program. The results showed that the CAR has no significant effect on ROA and ROE, NPL has a significant and negative effect on ROA and ROE, LDR has no significant effect on ROA and ROE, and BOPO has significant and negative effect on ROA and ROE. In stimulants, CAR, NPL, LDR, and BOPO has significant effect on ROA and ROE. Also, BOPO is found to be the dominant variable in affecting ROA and ROE. Based on the analysis result, it is concluded that the variables that affect profitability of the Bank (ROA and ROE) are NPLs and ROA, while the CAR and LDR has no effect on bank profitability (ROA and ROE). From these results, banks are expected to supervise and monitor the use of credit funds so that the NPL remain in the healthy category so as to avoid bad loans. In addition, banks are expected to suppress the amount of operating expenses of BOPO, in order to withstand at the level of efficiency where maximum profit can be attained, hence improve the performance of the bank.

Item Type:Thesis (Undergraduate)
Subjects:H Social Sciences > HF Commerce
Divisions:Faculty of Social and Political Sciences > Department of Business Administration
ID Code:61816
Deposited By:Mr/mrs Fisip Undip
Deposited On:07 Jun 2018 08:52
Last Modified:07 Jun 2018 08:52

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