Pengaruh rasio keuangan terhadap profitabilitas pada bank konvensional dan syariah tahun 2010-2012

Hidayat, Anas (2014) Pengaruh rasio keuangan terhadap profitabilitas pada bank konvensional dan syariah tahun 2010-2012. Undergraduate thesis, Universitas Islam Negeri Maulana Malik Ibrahim.

[img]
Preview
Text (Introduction)
09510058_Pendahuluan.pdf

Download (638kB) | Preview
[img]
Preview
Text (Abstract: Indonesia)
09510058_Indonesia.pdf

Download (8kB) | Preview
[img]
Preview
Text (Abstract: English)
09510058_Inggris.pdf

Download (6kB) | Preview
[img]
Preview
Text (Abstract: Arabic)
09510058_Arab.pdf

Download (245kB) | Preview
[img]
Preview
Text (Chapter 1)
09510058_Bab_1.pdf

Download (280kB) | Preview
[img]
Preview
Text (Chapter 2)
09510058_Bab_2.pdf

Download (475kB) | Preview
[img]
Preview
Text (Chapter 3)
09510058_Bab_3.pdf

Download (330kB) | Preview
[img]
Preview
Text (Chapter 4)
09510058_Bab_4.pdf

Download (370kB) | Preview
[img]
Preview
Text (Chapter 5)
09510058_Bab_5.pdf

Download (156kB) | Preview
[img]
Preview
Text (References)
09510058_Daftar_Pustaka.pdf

Download (130kB) | Preview
[img]
Preview
Text (Appendices)
09510058_Lampiran.pdf

Download (306kB) | Preview

Abstract

INDONESIA:

Penelitian ini bertujuan untuk 1) Untuk menganalisis pengaruh parsial rasio keuangan terhadap profitabilitas pada bank konvensional dan syariah dan 2) Untuk menganalisis pengaruh simultan rasio keuangan terhadap profitabilitas pada bank konvensional dan syariah.

Populasi dalam penelitian ini adalah seluruh bank syariah, unit usaha syariah dan konvensional yang ada di Indonesia. Sedangkan sampel pada penelitian ini sebanyak 46 perusahaan. Analisis data yang dilakukan adalah analisis kuantitatif yang dinyatakan dengan angka-angka dan perhitungannya menggunakan metode standart yang dibantu dengan program Statistical Package Social Sciences (SPSS) versi 16.00. Analisis data yang digunakan dalam penelitian ini adalah analisis regresi linear berganda yang sebelumnya dilakukan uji dan lolos dari uji asumsi klasik

Dari hasil penelitian dapat diketahui bahwa pada bank konvensional Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasi dan Pendapatan Operasi (BOPO), Net Interest Margin (NIM) dan Loan to Deposit Ratio (LDR) berpengaruh signifikan terhadap profitabilitas yang di proyeksikan dalam return on assets (ROA) dengan nilai signifikan < 0,05. Sedangkan hasil analisis rasio keuangan terhadap profitabilitas pada bank syariah dapat diuraikan bahwa Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) serta Biaya Operasi dan Pendapatan Operasi (BOPO) berpengaruh signifikan terhadap profitabilitas. Adapun untuk variabel Net Interest Margin (NIM) tidak berpengaruh signifikan terhadap profitabilitas degan nilai signifikan > 0,05. Hasil analisis secara simultan untuk bank konvensional dan syariah dapat diketahui bahwa Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasi dan Pendapatan Operasi (BOPO), Net Interest Margin (NIM) dan Loan to Deposit Ratio (LDR) berpengaruh signifikan terhadap profitabilitas.

ENGLISH:

This study aims to 1) To analyze the effect of partial financial ratios on profitability in conventional and Islamic banks and 2) To analyze the effect of simultaneous financial ratios on profitability in conventional and Islamic banks.

The population in this study were all Islamic banks, Islamic and conventional business units in Indonesia. While the sample in this study as many as 46 companies. Data analysis is a quantitative analysis expressed with numbers and calculations using standard methods that assisted with the program Statistical Package Social Sciences (SPSS) version 16.00. Analysis of the data used in this study is a multiple linear regression analysis of previously conducted tests and escape from the classical assumption test

From the results of this research is that the conventional banks Capital Adequacy Ratio (CAR), Non-Performing Loans (NPLs), Operating Costs and Operating Income (ROA), net interest margin (NIM) and the Loan to Deposit Ratio (LDR) have a significant effect on profitability which are projected in the return on assets (ROA) with significant value <0.05. While the results of the analysis of financial ratios to profitability in Islamic banks can be explained that the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPLs), loan to deposit ratio (LDR) and Operating Expenses and Operating Income (ROA) have a significant effect on profitability. As for the variable Net Interest Margin (NIM) has no significant effect on profitability degan significant values > 0.05. The results for the simultaneous analysis of conventional and Islamic banks can be seen that the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPLs), Operating Expenses and Operating Income (ROA), net interest margin (NIM) and the Loan to Deposit Ratio (LDR) effect significant impact on profitability.

Item Type: Thesis (Undergraduate)
Supervisor: Fitriyah, Fitriyah
Keywords: Rasio Keuangan; Profitabilitas; Financial Ratios; Profitability
Subjects: 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150203 Financial Institutions (incl. Banking)
Departement: Fakultas Ekonomi > Jurusan Manajemen
Location: 150203
Depositing User: Ratih Novitasari
Date Deposited: 08 Sep 2015 03:47
Last Modified: 08 Sep 2015 03:47
URI: http://etheses.uin-malang.ac.id/id/eprint/1724

Actions (login required)

View Item View Item