YULITA V.M.S, DHARA (2020) PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), NET INTEREST MARGIN (NIM), BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) SERTA LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSETS (ROA) (Studi Kasus pada Bank Perkreditan Rakyat (BPR) di Kota Semarang yang Terdaftar Di Otoritas Jasa Keuangan (OJK) tahun 2016-2018). Undergraduate thesis, Universitas Stikubank.
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Abstract
Skripsi ini berisi sebuah penelitian tentang bagaimana rasio keuangan BPR yaitu Current Asset Ratio (CAR) / Kewajiban Penyediaan Modal Minimum (KPMM), Non Performing Loan (NPL), Net Interest margin (NIM), Biaya Operasional dan Pendapatan Operasional (BOPO), dan Loan to Deposit Ratio (LDR) mempengaruhi tingkat profitabilitas yang di proyeksikan oleh rasio Return On Asset (ROA). Dalam penelitian ini CAR/KPMM, NPL, NIM, BOPO dan LDR sebagai variabel independen, sedangkan ROA sebagai variabel dependen. Penelitian ini menggunakan sampel data dari laporan keuangan Bank Perkreditan Rakyat (BPR) di Kota Semarang yang terdaftar di Otoritas Jasa Keuangan (OJK) tahun 2016 sampai dengan 2018. Pengambilan sampel dari web OJK (www.ojk.go.id) dan menggunakan metode Purpossive Sampling. Terdapat 23 BPR yang memenuhi kriteria sebagai sampel penelitian. Data sampel diolah menggunakan Microsoft Excel dan SPSS 19. Metode analisis yang digunakan untuk pengolahan data pada penelitian ini yaitu Metode Analisis Regresi Linier Berganda. Hasil dari olah data dalam penelitian ini menunjukan CAR / KPMM dan NIM berpengaruh positif signifikan terhadap ROA, BOPO berpengaruh negatif signifikan terhadap ROA dan NPL dan LDR tidak berpengaruh signifikan terhadap ROA This thesis contains a study of how BPR financial ratios are Current Asset Ratio (CAR)/ Minimum Capital Requirements (KPMM), Non-Performing Loans (NPL), Net Interest Margin (NIM), Operational Costs Operating Income (BOPO), and Loans to Deposit Ratio (LDR) affects the level of profitability projected by the Return on Assets (ROA) ratio. In this study CAR/ KPMM, NPL, NIM, BOPO and LDR as independent variables, while ROA as the dependent variable. This study uses sample data from the financial statements of Rural Bank (BPR) in Semarang City registered with the Financial Services Authority (OJK) in 2016 to 2018. Sampling from the OJK website (www.ojk.go.id) and using the Purpossive method Sampling. There are 23 BPRs that meet the criteria as research samples. The sample data is processed using Microsoft Excel and SPSS 19. The analytical method used for data processing in this study is the Multiple Linear Regression Analysis Method. The results of the data processing in this study indicate that CAR / KPMM and NIM have a significant positive effect on ROA, BOPO has a significant negative effect on ROA and NPL, and LDR does not significantly influence ROA
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Additional Information: | SKR.V.05.52.2185 NIM.16.05.52.0046 |
| Uncontrolled Keywords: | Bank Perkreditan Rakyat (BPR), ROA, CAR/KPMM, NPL, NIM, BOPO, LDR |
| Subjects: | H Social Sciences > HJ Public Finance |
| Faculty / Institution: | Fakultas Ekonomika dan Bisnis > Program Studi Akuntansi |
| Depositing User: | Farida Sri Endaryani |
| Date Deposited: | 09 Nov 2020 06:32 |
| Last Modified: | 09 Nov 2020 06:32 |
| URI: | https://eprints.unisbank.ac.id/id/eprint/7384 |
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