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Project’s Detail

DESKRIPSI TUGAS AKHIR :
ANALISIS PENGARUH KUALITAS ASET, LIKUIDITAS DAN RENTABILITAS TERHADAP RASIO KECUKUPAN MODAL PADA BANK BUMN PERIODE 2010-2019
Abstrak (Abstracts)
The purpose of this study was to determine the effect of Asset Quality (NPL), Liquidity (LDR) and Profitability (ROE) on the Capital Adequacy Ratio (CAR). Data is obtained from the Annual Report which is accessed through the official website of each bank or the Indonesia Stock Exchange website for the period 2010-2019. In this study using a saturated sampling technique and the sample in this study is a state-owned bank 2010-2019 period. The analysis technique used in this study is multiple linear regression analysis to obtain a comprehensive picture of the relationship between one variable and another. Based on the results of hypothesis testing using the simultaneous test (F test), statistics conclude that the Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR) and Return On Equity (ROE) simultaneously have a significant effect on the Capital Adequacy Ratio (CAR). Based on the partial test (t test), it is concluded that the Non Performing Loan (NPL) partially and significantly affects the Capital Adequacy Ratio (CAR), the higher the Non Performing Loan (NPL), it means that the bank is not effective in managing the credit it provides and there is little chance for the bank. to obtain the expected benefits, thus affecting the amount of Capital Adequacy Ratio (CAR). The Loan to Deposit Ratio (LDR) partially has no and insignificant effect on the Capital Adequacy Ratio (CAR), it means that the high or low Loan to Deposit Ratio (LDR) ratio does not affect the amount of the Capital Adequacy Ratio (CAR). Return On Equity (ROE) partially and significantly affects the Capital Adequacy Ratio (CAR), the higher the Return On Equity (ROE) means that the bank is considered to have been effective in managing capital to generate net profit and the largest bank income is through credit, but credit increases. impact on the high risk of productive assets, so that the Capital Adequacy Ratio (CAR) may decrease. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Kualitas Aset (NPL), Likuiditas (LDR) dan Rentabilitas (ROE) terhadap Rasio Kecukupan Modal (CAR). Data diperoleh dari Annual Report yang diakses melalui web resmi masing-masing bank atau web Bursa Efek Indonesia dengan periode 2010-2019. Dalam penelitian ini menggunakan teknik sampling jenuh dan sampel dalam penelitian ini adalah Bank BUMN periode 2010-2019. Teknik analisis yang digunakan dalam penelitian ini adalah analisis regresi linear berganda untuk memperoleh gambaran yang menyeluruh mengenai hubungan antar variabel satu dengan variabel yang lainnya. Berdasarkan hasil pengujian hipotesis dengan menggunakan uji simultan (Uji F) statistik menyimpulkan bahwa Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) dan Return On Equity (ROE) secara simultan berpengaruh signifikan terhadap Capital Adequacy Ratio (CAR). Berdasarkan uji parsial (Uji t) disimpulkan bahwa Non Performing Loan (NPL) secara parsial berpengaruh dan signifikan terhadap Capital Adequacy Ratio (CAR), semakin tinggi Non Performing Loan (NPL) maka artinya bank tidak efektif dalam mengelola kredit yang diberikannya dan kecil kesempatan bank untuk memperoleh keuntungan yang diharapkan, sehingga mempengaruhi jumlah Capital Adequacy Ratio (CAR). Loan to Deposit Ratio (LDR) secara parsial tidak berpengaruh dan tidak signifikan terhadap Capital Adequacy Ratio (CAR), maka artinya tinggi atau rendahnya rasio Loan to Deposit Ratio (LDR) tidak mempengaruhi besaran jumlah Capital Adequacy Ratio (CAR). Return On Equity (ROE) secara parsial berpengaruh dan signifikan terhadap Capital Adequacy Ratio (CAR), semakin tinggi Return On Equity (ROE) artinya bank dianggap telah efektif dalam mengelola modal untuk menghasilkan laba bersih dan pendapatan terbesar bank ialah melalui kredit, namun kenaikan kredit berdampak pada tingginya risiko pada aset produktif, sehingga dapat terjadi penurunan Capital Adequacy Ratio (CAR).

Keyword : Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) and Return On Equity (ROE).

Nilai Properti
: AMELIA FITHRIANI, : 962017030, : Politeknik Negeri Balikpapan, : KEUANGAN DAN PERBANKAN, : 2020, : Indonesia, : Tugas Akhir, : Prepustakaan Poltekba,

 

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Pembimbing
Ida Suriana, S.E., M.M.

E-mail :ida.suriana@poltekba.ac.id

www.poltekba.ac.id
Aditya Achmad Rakim, S.E., M.E.

E-mail :aditya.achmad@poltekba.ac.id

www.poltekba.ac.id