Analisis Pengaruh Car NPL Bopo Nim Dan LDR Terhadap Roa Bej

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a0028a28a0028a28a0028a28a0028a28a00fffd9}}}}}\pard\sb0\sl-240{\bkmkstart Pg1}{\b
kmkend Pg1}\par\pard\ql \li2373\sb0\sl-414\slmult0 \par\pard\ql\li2373\sb0\sl-41
4\slmult0 \par\pard\ql\li2373\sb0\sl-414\slmult0 \par\pard\ql\li2373\sb0\sl-414\
slmult0 \par\pard\ql\li2373\sb382\sl-414\slmult0 \up0 \expndtw0\charscalex97 \ul
0\nosupersub\cf3\f4\fs36 ANALISIS PENGARUH CAR, NPL, BOPO, NIM \par\pard\ql \li3
935\sb1\sl-397\slmult0 \up0 \expndtw0\charscalex97 DAN LDR TERHADAP ROA \par\par
d\ql \li2358\sb0\sl-322\slmult0 \par\pard\ql\li2358\sb63\sl-322\slmult0 \up0 \ex
pndtw-6\charscalex100 \ul0\nosupersub\cf4\f5\fs29 (Studi pada Bank Umum \ul0\nos
upersub\cf5\f6\fs29 Go Public\ul0\nosupersub\cf4\f5\fs29 yang Listed pada Bursa
Efek \par\pard\ql \li4550\sb18\sl-322\slmult0 \up0 \expndtw-8\charscalex100 Ind
onesia tahun 2005-2009) \par\pard\ql \li5617\sb0\sl-356\slmult0 \par\pard\ql\l
i5617\sb0\sl-356\slmult0 \par\pard\ql\li5617\sb0\sl-356\slmult0 \par\pard\ql\li5
617\sb0\sl-356\slmult0 \par\pard\ql\li5617\sb0\sl-356\slmult0 \par\pard\ql\li561
7\sb0\sl-356\slmult0 \par\pard\ql\li5617\sb0\sl-356\slmult0 \par\pard\ql\li5617\
sb0\sl-356\slmult0 \par\pard\ql\li5617\sb0\sl-356\slmult0 \par\pard\ql\li5617\sb
0\sl-356\slmult0 \par\pard\ql\li5617\sb70\sl-356\slmult0 \up0 \expndtw0\charscal
ex96 \ul0\nosupersub\cf7\f8\fs32 SKRIPSI \par\pard\ql \li4596\sb0\sl-276\slmult0
\par\pard\ql\li4596\sb95\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf1\f2\fs24 Diajukan sebagai salah satu syarat \par\pard\ql \li4160\ri337
1\sb1\sl-280\slmult0\tx5106 \up0 \expndtw-3\charscalex100 untuk menyelesaikan Pr
ogram Sarjana (S1) \up0 \expndtw-3\charscalex100 pada Program Sarjana Fakultas E
konomi \line\tab \up0 \expndtw-3\charscalex100 Universitas Diponegoro \par\pard\
ql \li5557\sb0\sl-276\slmult0 \par\pard\ql\li5557\sb0\sl-276\slmult0 \par\pard\q
l\li5557\sb0\sl-276\slmult0 \par\pard\ql\li5557\sb276\sl-276\slmult0 \up0 \expnd
tw-3\charscalex100 Disusun oleh : \par\pard\ql \li4205\sb264\sl-276\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 ANGGRAINY PUTRI AYUNINGRUM
\par\pard\ql \li5346\sb4\sl-276\slmult0 \up0 \expndtw-3\charscalex100 NIM. C2A0
07013 \par\pard\ql \li4535\sb0\sl-356\slmult0 \par\pard\ql\li4535\sb0\sl-356\slm
ult0 \par\pard\ql\li4535\sb0\sl-356\slmult0 \par\pard\ql\li4535\sb50\sl-356\slmu
lt0 \up0 \expndtw0\charscalex96 \ul0\nosupersub\cf7\f8\fs32 FAKULTAS EKONOMI \pa
r\pard\ql \li4010\sb4\sl-356\slmult0 \up0 \expndtw0\charscalex96 UNIVERSITAS DIP
ONEGORO \par\pard\ql \li5316\ri4469\sb21\sl-360\slmult0\tx5932 \up0 \expndtw0\ch
arscalex96 SEMARANG \line\tab \up0 \expndtw0\charscalex97 2011 \par\pard\ql \li6
7\sb178\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24
i \par\pard\sect\sectd\fs24\paperw11900\paperh16840\pard\sb0\sl-240{\bkmkstart
Pg2}{\bkmkend Pg2}\par\pard\ql \li4641\sb0\sl-322\slmult0 \par\pard\ql\li4641\sb
0\sl-322\slmult0 \par\pard\ql\li4641\sb0\sl-322\slmult0 \par\pard\ql\li4641\sb0\
sl-322\slmult0 \par\pard\ql\li4641\sb0\sl-322\slmult0 \par\pard\ql\li4641\sb0\sl
-322\slmult0 \par\pard\ql\li4641\sb82\sl-322\slmult0 \up0 \expndtw-6\charscalex1
00 \ul0\nosupersub\cf4\f5\fs29 PERSETUJUAN SKRIPSI\par\pard\sect\sectd\sbknone\c
ols2\colno1\colw5002\colsr160\colno2\colw6598\colsr160\ql \li2283\sb0\sl-276\slm
ult0 \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql \li2283\sb0\sl-276\slm
ult0 \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql \li2283\sb0\sl-276\slm
ult0 \par\pard\ql \li2343\sb64\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0
\nosupersub\cf1\f2\fs24 Nama Penyususn\par\pard\qj \li2283\ri199\sb50\sl-555\slm
ult0 \up0 \expndtw-3\charscalex100 Nomor Induk Mahasiswa \up0 \expndtw-3\charsca
lex100 Fakultas / Jurusan\par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql \l
i2283\sb0\sl-276\slmult0 \par\pard\ql \li2283\sb220\sl-276\slmult0 \up0 \expndtw
-4\charscalex100 Judul Skripsi\par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\
ql \li2283\sb0\sl-276\slmult0 \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\
ql \li2283\sb6\sl-276\slmult0 \up0 \expndtw-4\charscalex100 Dosen Pembimbing\par

\pard\column \ql \li5162\sb0\sl-276\slmult0 \par\pard\ql \li5162\sb0\sl-276\slmu
lt0 \par\pard\ql \li5162\sb0\sl-276\slmult0 \par\pard\ql \li5162\sb0\sl-276\slmu
lt0 \par\pard\ql \li5162\sb0\sl-276\slmult0 \par\pard\ql \li24\sb64\sl-276\slmul
t0 \up0 \expndtw-5\charscalex100 :
Anggrainy Putri Ayuningrum\par\pard\ql \li
5162\sb0\sl-276\slmult0 \par\pard\ql \li24\sb4\sl-276\slmult0 \up0 \expndtw-8\ch
arscalex100 :
C2A007013\par\pard\ql \li5162\sb0\sl-276\slmult0 \par\pard\ql \
li24\sb3\sl-276\slmult0 \up0 \expndtw-5\charscalex100 :
Ekonomi / Manajemen\p
ar\pard\ql \li5162\sb0\sl-555\slmult0 \par\pard\ql \li20\ri1667\sb35\sl-555\slmu
lt0\tx275\tx275\tx275\tx275 \up0 \expndtw-2\charscalex100 : \ul0\nosupersub\cf6\
f7\fs24 ANALISIS PENGARUH CAR, NPL, BOPO, \line\tab \up0 \expndtw-3\charscalex1
00 NIM DAN LDR TERHADAP ROA (Studi \line \tab \up0 \expndtw-3\charscalex100 Kasu
s Pada Bank Umum \ul0\nosupersub\cf8\f9\fs24 Go Public\ul0\nosupersub\cf6\f7\fs2
4 yang \line \tab \up0 \expndtw-3\charscalex100 Listed di Bursa Efek Indonesia
Tahun 2005-\line \tab \up0 \expndtw-4\charscalex100 2009)\par\pard\ql \li5166\s
b0\sl-276\slmult0 \par\pard\ql \li5166\sb0\sl-276\slmult0 \par\pard\ql \li24\sb2
20\sl-276\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf1\f2\fs24 :
Dra. Hj. Endang Tri Widyarti, MM.\par\pard\ql \li5467\sb0\sl-276\slmult0 \par\p
ard\ql \li5467\sb0\sl-276\slmult0 \par\pard\ql \li5467\sb0\sl-276\slmult0 \par\p
ard\ql \li5467\sb0\sl-276\slmult0 \par\pard\ql \li5467\sb0\sl-276\slmult0 \par\p
ard\ql \li5467\sb0\sl-276\slmult0 \par\pard\ql \li325\sb275\sl-276\slmult0 \up0
\expndtw-6\charscalex100 Semarang, April 2011\par\pard\ql \li5467\sb0\sl-276\s
lmult0 \par\pard\ql \li325\sb3\sl-276\slmult0 \up0 \expndtw-4\charscalex100 Dose
n Pembimbing,\par\pard\qj \li5407\sb0\sl-540\slmult0 \par\pard\qj \li5407\sb0\sl
-540\slmult0 \par\pard\qj \li265\ri2650\sb93\sl-540\slmult0 \up0 \expndtw-3\char
scalex100 (Dra. Hj. Endang Tri Widyarti, MM.) \up0 \expndtw-3\charscalex100 NIP.
195909231986032001\par\pard\ql \li6187\sb0\sl-276\slmult0 \par\pard\ql \li1045\
sb3\sl-276\slmult0 \up0 \expndtw-8\charscalex100 ii
{\shp {\*\shpinst\shpleft6030\shptop15130\shpright6510\shpbottom15475\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz22\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 480}}{\sp{\sn geoBottom}{\sv 345}}
{\sp{\sn pVerticies}{\sv 8;4;(0,345);(480,345);(480,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 167772
15}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16840\pard\sb0\sl-240{\bkmkstart P
g3}{\bkmkend Pg3}\par\pard\ql \li3905\sb0\sl-322\slmult0 \par\pard\ql\li3905\sb0
\sl-322\slmult0 \par\pard\ql\li3905\sb0\sl-322\slmult0 \par\pard\ql\li3905\sb0\s
l-322\slmult0 \par\pard\ql\li3905\sb0\sl-322\slmult0 \par\pard\ql\li3905\sb0\sl322\slmult0 \par\pard\ql\li3905\sb82\sl-322\slmult0 \up0 \expndtw-6\charscalex10
0 \ul0\nosupersub\cf4\f5\fs29 PENGESAHAN KELULUSAN UJIAN\par\pard\sect\sectd\sbk
none\cols2\colno1\colw5002\colsr160\colno2\colw6598\colsr160\ql \li2283\sb0\sl-2
76\slmult0 \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql \li2283\sb0\sl-2
76\slmult0 \par\pard\ql \li2283\sb61\sl-276\slmult0 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf1\f2\fs24 Nama Penyusun\par\pard\qj \li2283\ri198\sb49\sl-55
5\slmult0 \up0 \expndtw-3\charscalex100 Nomor Induk Mahasiswa \up0 \expndtw-3\ch
arscalex100 Fakultas / Jurusan\par\pard\ql \li2283\sb231\sl-276\slmult0 \up0 \ex
pndtw-4\charscalex100 Judul Skripsi\par\pard\column \ql \li5162\sb0\sl-276\slmul
t0 \par\pard\ql \li5162\sb0\sl-276\slmult0 \par\pard\ql \li5162\sb0\sl-276\slmul
t0 \par\pard\ql \li24\sb61\sl-276\slmult0 \up0 \expndtw-3\charscalex100 : Anggra
iny Putri Ayuningrum\par\pard\ql \li5162\sb0\sl-276\slmult0 \par\pard\ql \li24\s
b3\sl-276\slmult0 \up0 \expndtw-4\charscalex100 : C2A007013\par\pard\ql \li5162\
sb0\sl-276\slmult0 \par\pard\ql \li24\sb4\sl-276\slmult0 \up0 \expndtw-3\charsca
lex100 : Ekonomi / Manajemen\par\pard\ql \li20\ri1728\sb52\sl-551\slmult0\tx275\
tx275\tx275\tx275 \up0 \expndtw-3\charscalex100 : \ul0\nosupersub\cf6\f7\fs24 AN
ALISIS PENGARUH CAR, NPL, BOPO, \line\tab \up0 \expndtw-3\charscalex100 NIM DAN
LDR TERHADAP ROA (Studi \line \tab \up0 \expndtw-3\charscalex100 Kasus Pada Bank
Umum \ul0\nosupersub\cf8\f9\fs24 Go Public\ul0\nosupersub\cf6\f7\fs24 yang \l
ine \tab \up0 \expndtw-3\charscalex100 Listed di Bursa Efek Indonesia Tahun 2005
-\line \tab \up0 \expndtw-4\charscalex100 2009) \par\pard\sect\sectd\sbknone \ql
\li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb0\sl-276\slmult0 \par\pard\ql\
li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb0\sl-276\slmult0 \par\pard\ql\li
2283\sb207\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Telah dinyatakan lulus u
jian pada tanggal 20 April 2011. \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pa
rd\ql\li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb0\sl-276\slmult0 \par\pard
\ql\li2283\sb16\sl-276\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf1
\f2\fs24 Tim Penguji : \par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb12\
sl-276\slmult0\fi0\tx7329 \up0 \expndtw-3\charscalex100 1. Dra. Hj. Endang Tri
Widyarti, MM.\tab \up0 \expndtw-3\charscalex100 ( \u8230?\u8230?\u8230?\u8230?\u
8230?\u8230?\u8230?\u8230?\u8230?\u8230?... )\par\pard\li2283\sb0\sl-276\slmult0
\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb268\sl-276\slmult0\fi0\tx7
329 \up0 \expndtw-3\charscalex100 2. H. Muhamad Syaichu, SE, M.Si.\tab \up0 \exp
ndtw-3\charscalex100 ( \u8230?\u8230?\u8230?\u8230?\u8230?\u8230?\u8230?\u8230?\
u8230?\u8230?... )\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-276
\slmult0\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb7\sl-276\slmult0\f
i0\tx7329 \up0 \expndtw-3\charscalex100 3. Drs. R. Djoko Sampurno,MM.\tab \up0 \
expndtw-3\charscalex100 ( \u8230?\u8230?\u8230?\u8230?\u8230?\u8230?\u8230?\u823
0?\u8230?\u8230?\u8230?)\par\pard\ql \li6157\sb0\sl-276\slmult0 \par\pard\ql\li6
41\sl-276\slmult0 \up0 \expndtw-10\charscalex100 iii
}
0 \ul0\nosupersub\cf4\f5\fs29 PERNYATAAN ORISINALITAS SKRIPSI \par\pard\qj \li22
83\sb0\sl-414\slmult0 \par\pard\qj\li2283\ri1465\sb348\sl-414\slmult0\fi720 \up0
\expndtw0\charscalex101 \ul0\nosupersub\cf1\f2\fs24 Yang bertanda tangan dibawa
h ini saya, Anggrainy Putri Ayuningrum, \line \up0 \expndtw-2\charscalex100 meny
atakan bahwa skripsi dengan judul \ul0\nosupersub\cf6\f7\fs24 ANALISIS PENGARUH
CAR, NPL, \line \up0 \expndtw-3\charscalex100 BOPO, NIM DAN LDR
TERHADAP R
OA (Studi Pada Bank Umum \ul0\nosupersub\cf8\f9\fs24 Go \line \up0 \expndtw-3\ch
arscalex100 Public\ul0\nosupersub\cf6\f7\fs24
yang Listed di Bursa Efek Indon
esia (BEI) Tahun 2005-2009), \ul0\nosupersub\cf1\f2\fs24 adalah \line \up0 \expn
dtw0\charscalex102 hasil tulisan saya sendiri. Dengan ini saya menyatakan denga
n sesungguhnya \line \up0 \expndtw0\charscalex100 bahwa dalam skripsi ini tidak
terdapat keseluruhan atau sebagian tulisan orang \line \up0 \expndtw-1\charscale
x100 lain yang saya ambil dengan cara menyalin atau meniru dalam bentuk rangkaia
n \line \up0 \expndtw0\charscalex100 kalimat atau symbol yang menunjukkan gagasa
n atau pendapat atau pemikiran \line \up0 \expndtw-3\charscalex100 dari penulis
lain, yang saya akui seolah-olah sebagai tulisan saya sendiri, dan atau \line \u
p0 \expndtw-2\charscalex100 tidak terdapat bagian atau keseluruhan tulisan yang
saya salin itu, atau yang saya \line \up0 \expndtw-2\charscalex100 ambil dari tu
lisan orang lain tanpa memberikan pengakuan penulis aslinya. \par\pard\qj \li228
3\ri1469\sb5\sl-416\slmult0\fi720 \up0 \expndtw-3\charscalex100 Apabila saya mel
akukan tindakan yang bertentangan dengan hal tersebut \up0 \expndtw-3\charscal
ex100 diatas, baik disengaja maupun tidak, dengan ini saya menyatakan menarik sk
ripsi \up0 \expndtw0\charscalex102 yang saya ajukan sebagai hasil tulisan saya s
endiri ini. Bila kemudian terbukti \up0 \expndtw-1\charscalex100 bahwa saya mela
kukan tindakan menyalin atau meniru tulisan oranglain seolah\up0 \expndtw0\chars
calex102 olah hasil pemikiran saya sendiri, berarti gelar dan ijasah yang telah
diberikan \up0 \expndtw-4\charscalex100 oleh universitas batal saya terima. \par
\pard\ql \li7329\sb0\sl-276\slmult0 \par\pard\ql\li7329\sb0\sl-276\slmult0 \par\
pard\ql\li7329\sb0\sl-276\slmult0 \par\pard\ql\li7329\sb0\sl-276\slmult0 \par\pa
rd\ql\li7329\sb116\sl-276\slmult0 \up0 \expndtw-4\charscalex100 Semarang, 1 Apri
l 2011 \par\pard\ql \li7329\sb144\sl-276\slmult0 \up0 \expndtw-4\charscalex100 Y
ang membuat pernyataan, \par\pard\qj \li7329\sb0\sl-400\slmult0 \par\pard\qj\li7
329\sb0\sl-400\slmult0 \par\pard\qj\li7329\ri1536\sb62\sl-400\slmult0 \up0 \expn
dtw-3\charscalex100 Anggrainy Putri Ayuningrum \up0 \expndtw-3\charscalex100 NIM
. C2A007013 \par\pard\ql \li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb0\sl-2
76\slmult0 \par\pard\ql\li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb0\sl-276
\slmult0 \par\pard\ql\li6157\sb39\sl-276\slmult0 \up0 \expndtw-7\charscalex100 i
v
}
0 \ul0\nosupersub\cf5\f6\fs29 ABSTRACT \par\pard\ql \li3003\sb0\sl-276\slmult0 \
par\pard\ql\li3003\sb60\sl-276\slmult0\tx7179 \up0 \expndtw-3\charscalex100 \ul0
\nosupersub\cf9\f10\fs24 This study aims to examine the relation of \tab \up0 \e
xpndtw-4\charscalex100 Capital Adequacy Ratio (CAR , \par\pard\qj \li2283\ri1483
\sb18\sl-260\slmult0 \up0 \expndtw-3\charscalex100 Non Performing Loan (NPL), BO
PO, Net Interest Margin (NIM), Loan to Deposit \up0 \expndtw-4\charscalex100 Rat
io (LDR) to Return On Asstes (ROA). \par\pard\qj \li2283\ri1474\sb7\sl-276\slmul
t0\fi720 \up0 \expndtw-1\charscalex100 Data in this study are secondary da
ta that is corporate banking in \up0 \expndtw-3\charscalex100 Indonesia Sto
ck Exchange. The number of sample used were 20 commercial bank \up0 \expndtw0\ch
arscalex103 commercial banks registered to go public in Indonesia Stock Exchan
ge. The \up0 \expndtw-4\charscalex100 samples used were 20 commercial banks list
ed in the Indonesia Stock Exchange in \up0 \expndtw-2\charscalex100 the period 2
005-2009 were taken by purposive sampling. The method used in this \up0 \expndtw
0\charscalex100 research is to use multiple regression analysis and befo
re using multiple \up0 \expndtw-3\charscalex100 regression analysis, performed
classical assumption first. \par\pard\ql \li3003\sb4\sl-276\slmult0\tx8289 \up0
\expndtw-3\charscalex100 Based on the result got regresion\u8217?s equation \ul
0\nosupersub\cf6\f7\fs24 ROA = \tab \up0 \expndtw-4\charscalex100 10, 202+ 0,16
CAR \par\pard\ql \li2283\sb4\sl-276\slmult0\tx6576 \up0 \expndtw-2\charscalex100
- 0,25 NPL - 0,105 BOPO - 0,060 NIM \tab \up0 \expndtw-4\charscalex100 + 0,
004 LDR. \ul0\nosupersub\cf9\f10\fs24 The value of adjusted \par\pard\qj \li2283
\ri1482\sb0\sl-300\slmult0 \up0 \expndtw0\charscalex100 R\ul0\super\cf10\f11\fs2
4 2\ul0\nosupersub\cf9\f10\fs24 in regression models 0,976. This indicates that
the major effect of variables \line \up0 \expndtw-2\charscalex100 Capital Adequ

acy Ratio \up0 \expndtw-2\charscalex100 (CAR), Non Performing Loan (NPL) ,
BOPO, Net \par\pard\ql \li2283\sb0\sl-216\slmult0 \up0 \expndtw-2\charscalex1
00 Interest Margin (NIM) , Loan to Deposit Ratio (LDR) to Return On Asstes (ROA)
\par\pard\qj \li2283\ri1466\sb11\sl-275\slmult0 \up0 \expndtw-2\charscalex100 a
re 97,6 %. It means very strong independents variables influence the dependent \
line \up0 \expndtw-2\charscalex100 variable.The value of adjusted R\ul0\super\cf
10\f11\fs24 2\ul0\nosupersub\cf9\f10\fs24 in regression models 0,976. This indi
cates that \line \up0 \expndtw0\charscalex103 the major effect of variables Capi
tal Adequacy Ratio (CAR), Non Performing \line \up0 \expndtw-3\charscalex100 Loa
n (NPL) , BOPO, Net Interest Margin (NIM) , Loan to Deposit Ratio (LDR) to \line
\up0 \expndtw-3\charscalex100 Return On Asstes (ROA) are 97,6 %. It means very
strong independents variables \line \up0 \expndtw-3\charscalex100 influence the
dependent variable.\ul0\nosupersub\cf1\f2\fs24 \ul0\nosupersub\cf9\f10\fs24 Ind
ependent variables also affect the dependent \line \up0 \expndtw0\charscalex100
variables simultaneously. Capital Adequacy Ratio (CAR) , Net Interest Margin \li
ne \up0 \expndtw0\charscalex100 (NIM) ,Non Performing Loan (NPL) , BOPO have sig
nificant impact on Return \line \up0 \expndtw-3\charscalex100 On Asstes (ROA). W
hile Net Interest Margin (NIM) have no significant effect with \line \up0 \expnd
tw-4\charscalex100 Return On Asstes (ROA). \par\pard\ql \li2283\sb0\sl-276\slmul
t0 \par\pard\ql\li2283\sb269\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Keywor
ds : CAR, NPL, BOPO, NIM, LDR,ROA \par\pard\ql \li6187\sb0\sl-276\slmult0 \par\p
ard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \par\par
d\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\
ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql
\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\l
sb0\sl-276\slmult0 \par\pard\ql\li6187\sb68\sl-276\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf1\f2\fs24 v
}
}}
{\shp {\*\shpinst\shpleft3004\shptop2892\shpright7179\shpbottom3193\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz37\shplid1
}
0 \ul0\nosupersub\cf4\f5\fs29 ABSTRAKSI \par\pard\qj \li2283\sb0\sl-280\slmult0
\par\pard\qj\li2283\sb0\sl-280\slmult0 \par\pard\qj\li2283\sb0\sl-280\slmult0 \p
ar\pard\qj\li2283\ri1471\sb33\sl-280\slmult0\fi705 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf1\f2\fs24 Penelitian ini bertujuan untuk menguji pengaruh \ul
0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf1\f2\fs24 (CAR) , \ul0\nosupersub\cf9\f10\fs24 Non Performing L
oan\ul0\nosupersub\cf1\f2\fs24 (NPL) , BOPO, \ul0\nosupersub\cf9\f10\fs24 Net I
nterest Margin \ul0\nosupersub\cf1\f2\fs24 (NIM) , \ul0\nosupersub\cf9\f10\fs24
Loan \up0 \expndtw-4\charscalex100 to Deposit Ratio\ul0\nosupersub\cf1\f2\fs24
(LDR) terhadap \ul0\nosupersub\cf9\f10\fs24 Return On Asstes\ul0\nosupersub\cf1\
f2\fs24 (ROA). \par\pard\qj \li2283\ri1473\sb4\sl-276\slmult0\fi765 \up0 \expnd
tw-1\charscalex100 Data yang ada dalam penelitian ini merupakan data sek
under yaitu \up0 \expndtw0\charscalex100 perusahaan perbankan di Bursa Efek Ind
onesia. Jumlah sampel yang digunakan \up0 \expndtw0\charscalex100 sebanyak 20
bank umum yang tercatat dalam Bursa Efek Indonesia dengan \up0 \expndtw0\ch
arscalex100 periode 2005-2009 yang diambil melalui \ul0\nosupersub\cf9\f10\fs24
purposive sampling.\ul0\nosupersub\cf1\f2\fs24 Metode analisis \up0 \expndtw-3
\charscalex100 yang digunakan dalam penelitian ini yaitu menggunakan analisis re
gresi berganda \up0 \expndtw-4\charscalex100 yang sebelumnya telah dilakukan uji
asumsi klasik terlebih dahulu. \par\pard\ql \li3003\sb4\sl-276\slmult0\tx9925 \
up0 \expndtw-4\charscalex100 Berdasarkan hasil penelitian menghasilkan persamaan
regresi \ul0\nosupersub\cf6\f7\fs24 ROA = \tab \up0 \expndtw-3\charscalex100 10
, \par\pard\qj \li2283\ri1482\sb0\sl-277\slmult0 \up0 \expndtw-4\charscalex100 2
02+ 0,16 CAR - 0,25 NPL - 0,105 BOPO - 0,060 NIM + 0,004 LDR. \ul0\nosuper
sub\cf1\f2\fs24 Nilai \line \up0 \expndtw0\charscalex100 adjusted R\ul0\super
\cf11\f12\fs24 2\ul0\nosupersub\cf1\f2\fs24 model regresi sebesar 0,976 . H
al ini menunjukkan bahwa besar \line \up0 \expndtw-4\charscalex100 pengaruh vari
abel \ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio\ul0\nosupersub\cf1\f2\f
s24 (CAR) , \ul0\nosupersub\cf9\f10\fs24 Non Performing Loan\ul0\nosupersub\cf1
\f2\fs24 (NPL) , \line \up0 \expndtw0\charscalex102 BOPO, \ul0\nosupersub\cf9\f
10\fs24 Net Interest Margin \ul0\nosupersub\cf1\f2\fs24 (NIM) , \ul0\nosupersu
b\cf9\f10\fs24 Loan to Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) terhada
p \line \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Return On Asst
es\ul0\nosupersub\cf1\f2\fs24 (ROA) sebesar 97,6 %. Angka tersebut berarti vari
abel bebas \line \up0 \expndtw0\charscalex102 sangat kuat mempengaruhi variabel
terikat. Variabel independent juga secara \line \up0 \expndtw-2\charscalex100 s
imultan mempengaruhi variabel dependen. \ul0\nosupersub\cf9\f10\fs24 Capital Ade
quacy Ratio\ul0\nosupersub\cf1\f2\fs24 (CAR) , \ul0\nosupersub\cf9\f10\fs24 Net
\line \up0 \expndtw-5\charscalex100 Interest Margin \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf1\f2\fs24 (NIM), \ul0\nosupersub\cf9\f10\fs24 Non Perfor
ming Loan\ul0\nosupersub\cf1\f2\fs24 (NPL) , BOPO berpengaruh \par\pard\qj
\li2283\ri1485\sb0\sl-280\slmult0 \up0 \expndtw0\charscalex102 signifikan terha
dap \ul0\nosupersub\cf9\f10\fs24 Return On Asstes\ul0\nosupersub\cf1\f2\fs24 (
ROA). Sedangkan \ul0\nosupersub\cf9\f10\fs24 Net Interest Margin \line \up0 \exp
ndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (NIM) tidak mempunyai pengaruh
signifikan terhadap \ul0\nosupersub\cf9\f10\fs24 Return On Asstes\ul0\nosupersub
\cf1\f2\fs24 (ROA). \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283
\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\s
b261\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Kata Kunci : CAR, NPL, BOPO, N
IM, LDR, ROA \par\pard\ql \li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb0\sl276\slmult0 \par\pard\ql\li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb0\sl-27
slmult0 \par\pard\ql\li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb0\sl-276\sl
mult0 \par\pard\ql\li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb0\sl-276\slmu
lt0 \par\pard\ql\li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb0\sl-276\slmult
0 \par\pard\ql\li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb0\sl-276\slmult0
\par\pard\ql\li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb0\sl-276\slmult0 \p
ar\pard\ql\li6157\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb52\sl-276\slmult0 \up
0 \expndtw-6\charscalex100 vi
}
0 \ul0\nosupersub\cf4\f5\fs29 MOTTO DAN PERSEMBAHAN \par\pard\ql \li2358\sb0\sl276\slmult0 \par\pard\ql\li2358\sb0\sl-276\slmult0 \par\pard\ql\li2358\sb0\sl-27
slmult0 \par\pard\ql\li2358\sb136\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf1\f2\fs24 Sabar dan Ikhlas menghadapi cobaan, seperti dalam kut
ipan QS Al-Qasas ayat80 \par\pard\ql \li2343\sb0\sl-320\slmult0 \par\pard\ql\li2
343\sb0\sl-320\slmult0 \par\pard\ql\li2343\ri1478\sb208\sl-320\slmult0\tx2763 \u
p0 \expndtw-6\charscalex100 \ul0\nosupersub\cf12\f13\fs29 Tetapi orang-orang yan
g dianugerahi ilmu berkata, \u8220?Celakalah kamu! \up0 \expndtw-6\charscalex100
Ketahuilah, pahala Allah lebih baik bagi orang-orang yang beriman \line\tab \up
0 \expndtw-6\charscalex100 dan mengerjakan kebajikan, dan (pahala yang besar) it
u hanya \par\pard\ql \li3995\sb1\sl-319\slmult0 \up0 \expndtw-6\charscalex100 di
peroleh oleh orang-orang yang sabar.\u8221? \par\pard\ql \li2283\sb0\sl-276\slmu
0 \par\pard\ql\li2283\sb269\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf6\f7\fs24 Jadilah orang yang bermanfaat bagi diri sendiri dan orang l
ain di sekitar \par\pard\qj \li6608\sb0\sl-580\slmult0 \par\pard\qj\li6608\sb0\s
l-580\slmult0 \par\pard\qj\li6608\ri1433\sb133\sl-580\slmult0 \up0 \expndtw0\cha
rscalex98 \ul0\nosupersub\cf13\f14\fs44 Skripsi ini kupersembahkan \line \up0 \e
xpndtw0\charscalex98 kepada kedua orang tua \line \up0 \expndtw0\charscalex98 t
ercinta serta orang-orang \line \up0 \expndtw0\charscalex99 yang menyayangiku \p
ar\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb0\sl-276\slmult0 \pa
r\pard\ql\li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb0\sl-276\slmult0 \par\
\ql\li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb0\sl-276\slmult0 \par\pard\q
l\li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb0\sl-276\slmult0 \par\pard\ql\
li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb44\sl-276\slmult0 \up0 \expndtw6\charscalex100 \ul0\nosupersub\cf1\f2\fs24 vii
}
0 \ul0\nosupersub\cf4\f5\fs29 KATA PENGANTAR \par\pard\qj \li2283\sb0\sl-552\slm
ult0 \par\pard\qj\li2283\ri1484\sb96\sl-552\slmult0\fi720 \up0 \expndtw-1\charsc

alex100 \ul0\nosupersub\cf1\f2\fs24 Puji syukur Alhamdullillah penulis panjatkan
kepada Allah SWT karena \line \up0 \expndtw-4\charscalex100 atas rahmat serta h
idayahnya sehingga penulis mammpu menyelesaikan skripsi ini \line \up0 \expndtw3\charscalex100 dengan judul \ul0\nosupersub\cf6\f7\fs24 \u8220?ANALISIS PENGARU
H CAR, NPL, BOPO, NIM DAN LDR \line \up0 \expndtw-2\charscalex100 TERHADAP ROA,
STUDI PADA BANK UMUM GO PUBLIC YANG \line \up0 \expndtw-2\charscalex100 LI
STED DI BURSA EFEK INDONESIA TAHUN 2005-2009\u8221? \ul0\nosupersub\cf1\f2\fs24
yang disusun \line \up0 \expndtw-2\charscalex100 sebagai syarat untuk menyele
saikan studi program sarjana \up0 \expndtw-2\charscalex100 (S1) Jurusan \par
\pard\ql \li2283\sb236\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Manajemen Fa
kultas Ekonomi Universitas Diponegoro Semarang. \par\pard\qj \li2283\ri1484\sb61
\sl-546\slmult0\fi720 \up0 \expndtw-2\charscalex100 Penulis menyadari bahwa skri
psi ini tidak mungkin terselesaikan dengan \up0 \expndtw0\charscalex100 baik tan
pa dukungan baik moril maupun materiil , bimbingan, bantuan, arahan \up0 \expndt
w0\charscalex100 serta doa dari berbagai pihak selama penyusunan skripsi ini ber
langsung. Pada \up0 \expndtw-5\charscalex100 kesempatan ini penulis akan menyamp
aikan terima kasih kepada: \par\pard\ql \li2643\ri1470\sb3\sl-560\slmult0\tx3003
\up0 \expndtw0\charscalex105 1.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\c
f1\f2\fs24 Bapak Prof. Drs. H. Mohamad Nasir, Msi, Akt. Ph. D, selaku Dekan \
line\tab \up0 \expndtw-3\charscalex100 Fakultas Ekonomi Universitas Diponegoro S
emarang. \par\pard\ql \li2643\ri1481\sb9\sl-550\slmult0\tx3003\tx3003 \up0 \expn
dtw0\charscalex100 2.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24
Ibu Dra. Hj. Endang Tri Widyarti, MM, selaku dosen pembimbing penulis \line\tab
\up0 \expndtw-1\charscalex100 yang telah meluangkan waktunya untuk membimbing,
memberikan saran \line \tab \up0 \expndtw-3\charscalex100 serta nasehat sehingga
skripsi ini dapat terselesaikan dengan baik. \par\pard\ql \li2643\ri1473\sb0\sl
-560\slmult0\tx3003 \up0 \expndtw0\charscalex100 3.\ul0\nosupersub\cf14\f15\fs24
\ul0\nosupersub\cf1\f2\fs24 Bapak Dr. Suharnomo, S.E., M.Si., selaku dosen wa
li yang telah bersedia \line\tab \up0 \expndtw-3\charscalex100 meluangkan waktun
ya untuk memberikan perwalian terhadap penulis. \par\pard\ql \li2643\ri1479\sb0\
sl-550\slmult0\tx3003\tx3003 \up0 \expndtw-2\charscalex100 4.\ul0\nosupersub\cf1
4\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Seluruh dosen Fakultas Ekonomi Universi
tas Diponegoro Semarang yang \line\tab \up0 \expndtw0\charscalex100 telah mengaj
arkan dan memberikan ilmu kepada penulis selama masa \line \tab \up0 \expndtw
-6\charscalex100 studi. \par\pard\ql \li6097\sb268\sl-276\slmult0 \up0 \expndtw7\charscalex100 viii
}
\sl-550\slmult0 \par\pard\ql\li2643\sb0\sl-550\slmult0 \par\pard\ql\li2643\ri147
1\sb156\sl-550\slmult0\tx3003\tx3003\tx3003 \up0 \expndtw-3\charscalex100 \ul0\n
osupersub\cf1\f2\fs24 5. \tab \up0 \expndtw0\charscalex102 Kedua orang tua te
rsayang, H. Agus Saleh,M.Mar.Eng dan Hj. Sri \line\tab \up0 \expndtw0\char
scalex100 Nugraheni atas kasih sayang, perhatian, dukungan, kesabaran serta seti
ap \line \tab \up0 \expndtw-4\charscalex100 doa yang tercurah untuk penulis. \pa
r\pard\ql \li2643\ri1480\sb0\sl-555\slmult0\tx3003\tx3003\tx3003\tx3003 \up0 \ex
pndtw-3\charscalex100 6. \tab \up0 \expndtw0\charscalex100 Kakak dan adikku ters
ayang, Irayyani Gustyaningrum, S.Psi yang telah \line\tab \up0 \expndtw-4\charsc
alex100 menjadi motivasi dan inspirasi penulis untuk menjadi kebangaan orang tua
\line \tab \up0 \expndtw-3\charscalex100 serta Adymas Agustya Prabowo yang menj
adi teman bercanda di rumah. \line \up0 \expndtw-3\charscalex100 7. \up0 \expnd
tw-2\charscalex100 Mochamad Ridzky Arwiedya atas cinta dan kasih sayang,
semangat, \line\tab \up0 \expndtw-3\charscalex100 dukungan, motivasi serta kesab
aran kepada penulis. \par\pard\ql \li2643\ri1474\sb0\sl-550\slmult0\tx3003\tx300
3\tx3003\tx3003\tx3003 \up0 \expndtw-3\charscalex100 8. \tab \up0 \expndtw-1\cha
rscalex100 Indri dan Sherly yang merupakan rekan bisnis penulis serta sahabat ya
ng \line\tab \up0 \expndtw0\charscalex100 selalu memberikan dukungan, semanga
t, serta pandangan mengenai \line \tab \up0 \expndtw0\charscalex100 kehidupan
serta teman bermain, belajar serta sahabat dari semester \line \tab \up
0 \expndtw0\charscalex102 pertama yang pasti akan dirindukan penulis. Mutia, Iko
, Sherly, Indri, \line \tab \up0 \expndtw-3\charscalex100 Helda, Usi, Rengganis,
Mbak Uli, Manda. \par\pard\ql \li2643\ri1484\sb6\sl-550\slmult0\tx3003\tx3003\t
x3003 \up0 \expndtw-3\charscalex100 9. \tab \up0 \expndtw-3\charscalex100 Teman
dan sahabat bermain, Nisha dan Dinda serta adik-adik Manajemen \line\tab \up0 \e
xpndtw0\charscalex102 2008-2009 Deta, Nia, Meilinda, Dea, Brina, Nana dan juga A
dib serta \line \tab \up0 \expndtw-1\charscalex100 teman \ul0\nosupersub\cf9\f10
\fs24 Manajemen Squad \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf1\f2\fs24
, terima kasih atas kebersamaan selama \par\pard\ql \li3003\sb217\sl-276\s
lmult0 \up0 \expndtw-3\charscalex100 menuntut ilmu di Universitas Diponegoro. \p
ar\pard\ql \li2643\ri1501\sb50\sl-560\slmult0\tx3003 \up0 \expndtw0\charscalex10
0 10.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Wahyu (Sahabat p
ena), Muja, Alza, Brantas, Septi, Tari, Deded, Bram, \line\tab \up0 \expndtw-3\c
harscalex100 Rino atas bantuan dalam menyelesaikan skripsi ini. \par\pard\ql \li
2643\ri1499\sb17\sl-540\slmult0\tx3003 \up0 \expndtw-3\charscalex100 11.\ul0\nos
upersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Bapak dan Ibu perpustakaan Un
iversitas Diponegoro atas bantuan kepada \line\tab \up0 \expndtw-4\charscalex100
penulis dalam mengumpulkan sumber dan materi skripsi. \par\pard\ql \li2643\ri14
80\sb0\sl-560\slmult0\tx3003 \up0 \expndtw-2\charscalex100 12.\ul0\nosupersub\cf
14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Seluruh teman-teman serta rekan-rekan y
ang tidak dapat disebutkan satu-\line\tab \up0 \expndtw-3\charscalex100 persatu.
Terimakasih atas segala dukungan dan bantuan kepada penulis. \par\pard\ql \li61
57\sb0\sl-276\slmult0 \par\pard\ql\li6157\sb83\sl-276\slmult0 \up0 \expndtw-7\ch
arscalex100 ix
}
g10}{\bkmkend Pg10}\par\pard\qj \li2643\sb0\sl-550\slmult0 \par\pard\qj\li2643\s
b0\sl-550\slmult0 \par\pard\qj\li2643\sb0\sl-550\slmult0 \par\pard\qj\li2643\ri1
487\sb156\sl-550\slmult0\fi360 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf1\
f2\fs24 Dengan rendah hati penulis menyadari bahwa skripsi ini masih jauh dari \
line \up0 \expndtw0\charscalex107 sempurna, mengingat keterbatasan penulis.
Oleh karena itu penulis \line \up0 \expndtw0\charscalex102 mengharapkan sar
an dan kritik yang bersifat membangun guna terciptanya \line \up0 \expndtw0\char
scalex100 kesempurnaan skripsi ini. Semoga skripsi ini dapat bermanfaat bagi ber
bagai \line \up0 \expndtw-4\charscalex100 pihak, amin. \par\pard\qj \li7149\sb0\
sl-560\slmult0 \par\pard\qj\li7149\ri2429\sb542\sl-560\slmult0 \up0 \expndtw-4\c
harscalex100 Semarang, April 2011 \up0 \expndtw-5\charscalex100 Penulis, \par\pa
rd\ql \li7104\sb0\sl-276\slmult0 \par\pard\ql\li7104\sb0\sl-276\slmult0 \par\par
d\ql\li7104\sb223\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Anggrainy Putri A
yuningrum \par\pard\ql \li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276
\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\s

lmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\slm
ult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmul
t0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0
\par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \
par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \pa
li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb144\sl-276\slmult0 \up0 \expndtw
-3\charscalex100 x
}
g11}{\bkmkend Pg11}\par\pard\ql \li5452\sb0\sl-322\slmult0 \par\pard\ql\li5452\s
b0\sl-322\slmult0 \par\pard\ql\li5452\sb0\sl-322\slmult0 \par\pard\ql\li5452\sb0
l-322\slmult0 \par\pard\ql\li5452\sb82\sl-322\slmult0 \up0 \expndtw-6\charscalex
100 \ul0\nosupersub\cf4\f5\fs29 DAFTAR ISI \par\pard\ql \li9236\sb0\sl-276\slmul
t0 \par\pard\ql\li9236\sb60\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf1\f2\fs24 Halaman \par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283
\sb1\sl-276\slmult0\fi0\tldot\tx9970 \up0 \expndtw-4\charscalex100 HALAMAN JUDUL
...\tab \up0 \expndtw-4\charscalex100 .i\par\pard\li2283\sb9\sl-276\slmult0\fi0
\tldot\tx9731 \up0 \expndtw-4\charscalex100 HALAMAN PERSETUJUAN...\tab \up0 \exp
ndtw-4\charscalex100 ... ii\par\pard\li2283\sb1\sl-268\slmult0\fi0\tldot\tx9790
\up0 \expndtw-4\charscalex100 PENGESAHAN KELULUSAN UJIAN ...\tab \up0 \expndtw-4
\charscalex100 . iii\par\pard\li2283\sb12\sl-276\slmult0\fi0\tldot\tx9731 \up0 \
expndtw-4\charscalex100 PERNYATAAN ORISINALITAS SKRIPSI ...\tab \up0 \expndtw4\charscalex100 ...iv\par\pard\li2283\sb1\sl-268\slmult0\fi0\tldot\tx9911 \up0 \
expndtw-4\charscalex100 ABSTRAK ...\tab \up0 \expndtw-4\charscalex100 .v\par\par
d\li2283\sb1\sl-270\slmult0\fi0\tldot\tx9731 \up0 \expndtw-4\charscalex100 \ul0\
nosupersub\cf9\f10\fs24 ABSTRACT\ul0\nosupersub\cf1\f2\fs24 ...\tab \up0 \expnd
tw-4\charscalex100 ...vi\par\pard\li2283\sb11\sl-276\slmult0\fi0\tldot\tx9732 \u
p0 \expndtw-4\charscalex100 MOTTO DAN PERSEMBAHAN ...\tab \up0 \expndtw-4\charsc
alex100 . vii\par\pard\li2283\sb0\sl-271\slmult0\fi0\tldot\tx9550 \up0 \expndtw4\charscalex100 KATA PENGANTAR ...\tab \up0 \expndtw-4\charscalex100 ... viii\pa
r\pard\li2283\sb10\sl-276\slmult0\fi0\tldot\tx9670 \up0 \expndtw-4\charscalex100
DAFTAR TABEL...\tab \up0 \expndtw-4\charscalex100 ..xiv\par\pard\li2283\sb1\sl268\slmult0\fi0\tldot\tx9790 \up0 \expndtw-4\charscalex100 DAFTAR GAMBAR ...\tab
\up0 \expndtw-4\charscalex100 .xv\par\pard\li2283\sb1\sl-270\slmult0\fi0\tldot\
tx9610 \up0 \expndtw-4\charscalex100 DAFTAR LAMPIRAN ...\tab \up0 \expndtw-4\cha
rscalex100 ...xvi\par\pard\li2283\sb12\sl-276\slmult0\fi0\tx3724 \up0 \expndtw-4
\charscalex100 \ul0\nosupersub\cf6\f7\fs24 BAB I\tab \up0 \expndtw-4\charscalex1
00 PENDAHULUAN\par\pard\li2283\sb1\sl-268\slmult0\fi1426\tx4415\tldot\tx9852 \up
0 \expndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 1.1\tab \up0 \expndtw-4\c
harscalex100 Latar Belakang...\tab \up0 \expndtw-4\charscalex100 ..1\par\pard\li
2283\sb11\sl-276\slmult0\fi1426\tx4415\tldot\tx9670 \up0 \expndtw-4\charscalex10
0 1.2\tab \up0 \expndtw-4\charscalex100 Rumusan Masalah ...\tab \up0 \expndtw-4\
charscalex100 ...11\par\pard\li2283\sb1\sl-268\slmult0\fi1426\tx4415\tldot\tx973
2 \up0 \expndtw-4\charscalex100 1.3\tab \up0 \expndtw-4\charscalex100 Tujuan dan

Kegunaan Penelitian ...\tab \up0 \expndtw-4\charscalex100 ..13\par\pard\li2283\
sb1\sl-271\slmult0\fi1426\tx4415\tldot\tx9790 \up0 \expndtw-4\charscalex100 1.4\
tab \up0 \expndtw-4\charscalex100 Sistematika Penulisan ...\tab \up0 \expndtw-4\
charscalex100 .14\par\pard\li2283\sb10\sl-276\slmult0\fi0\tx3724 \up0 \expndtw-4
\charscalex100 \ul0\nosupersub\cf6\f7\fs24 BAB II\tab \up0 \expndtw-4\charscalex
100 TELAAH PUSTAKA\par\pard\li3709\sb1\sl-268\slmult0\fi0\tx4415\tldot\tx9730 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 2.1\tab \up0 \expndtw-3\
charscalex100 Landasan Teori ...\tab \up0 \expndtw-3\charscalex100 ..17\par\pard
\li3709\sb11\sl-276\slmult0\fi705\tldot\tx9791 \up0 \expndtw-3\charscalex100 2.1
.1\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Pengertian Perban
kan ...\tab \up0 \expndtw-3\charscalex100 .17\par\pard\li3709\sb0\sl-271\slmult0
\fi705\tldot\tx9671 \up0 \expndtw-3\charscalex100 2.1.2\ul0\nosupersub\cf14\f15\
fs24 \ul0\nosupersub\cf1\f2\fs24 Kinerja Perbankan ...\tab \up0 \expndtw-3\ch
arscalex100 ...19\par\pard\li3709\sb0\sl-270\slmult0\fi705\tldot\tx9671 \up0 \ex
pndtw-3\charscalex100 2.1.3\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2
\fs24 Laporan Keuangan ...\tab \up0 \expndtw-3\charscalex100 ...23\par\pard\li
3709\sb11\sl-276\slmult0\fi705\tldot\tx9791 \up0 \expndtw-3\charscalex100 2.1.4\
ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Rasio Keuangan ...\t
ab \up0 \expndtw-3\charscalex100 .25\par\pard\li3709\sb1\sl-268\slmult0\fi705\tl
dot\tx9732 \up0 \expndtw-3\charscalex100 2.1.5\ul0\nosupersub\cf14\f15\fs24 \ul
0\nosupersub\cf9\f10\fs24 Return On Assets\ul0\nosupersub\cf1\f2\fs24 (ROA) .
..\tab \up0 \expndtw-3\charscalex100 ..27\par\pard\li3709\sb12\sl-276\slmult0\fi
705\tldot\tx9730 \up0 \expndtw-3\charscalex100 2.1.6\ul0\nosupersub\cf14\f15\fs2
4 \ul0\nosupersub\cf9\f10\fs24 Capital Adequancy Ratio\ul0\nosupersub\cf1\f2\
fs24 (CAR) ...\tab \up0 \expndtw-3\charscalex100 ..28\par\pard\li3709\sb1\sl-26
8\slmult0\fi705\tldot\tx9730 \up0 \expndtw-3\charscalex100 2.1.7\ul0\nosupersub\
cf14\f15\fs24 \ul0\nosupersub\cf9\f10\fs24 Non Performing Loan\ul0\nosupersub
\cf1\f2\fs24 (NPL) ...\tab \up0 \expndtw-3\charscalex100 ..29\par\pard\li3709\s
b1\sl-270\slmult0\fi705\tldot\tx9732 \up0 \expndtw-3\charscalex100 2.1.8\ul0\nos
upersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 BOPO...\tab \up0 \expndtw-3
\charscalex100 ..30\par\pard\li3709\sb11\sl-276\slmult0\fi705\tldot\tx9732 \up0
\expndtw-3\charscalex100 2.1.9\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf9
\f10\fs24 Net Interest Margin\ul0\nosupersub\cf1\f2\fs24 (NIM) ...\tab \up0 \
expndtw-3\charscalex100 ..31\par\pard\li3709\sb0\sl-271\slmult0\fi705\tldot\tx97
90 \up0 \expndtw-3\charscalex100 2.1.10\ul0\nosupersub\cf14\f15\fs24 \ul0\nosup
ersub\cf9\f10\fs24 Loan to Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) ...\t
ab \up0 \expndtw-3\charscalex100 .32\par\pard\li3709\sb0\sl-276\slmult0\par\pard
\li3709\sb4\sl-276\slmult0\fi0\tx4415\tldot\tx9670 \up0 \expndtw-3\charscalex100
2.2\tab \up0 \expndtw-3\charscalex100 Penelitian Terdahulu ...\tab \up0 \expndt
w-3\charscalex100 ...33\par\pard\li3709\sb1\sl-268\slmult0\fi0\tx4415 \up0 \expn
dtw-3\charscalex100 2.3\tab \up0 \expndtw-3\charscalex100 Kerangka Pemikiran Teo
ritis\par\pard\li3709\sb11\sl-276\slmult0\fi705\tldot\tx9791 \up0 \expndtw-3\cha
rscalex100 dan Perumusan Hipotesis ...\tab \up0 \expndtw-3\charscalex100 .39\par
\pard\ql \li4415\sb1\sl-250\slmult0 \up0 \expndtw-2\charscalex100 2.3.1\ul0\nosu
persub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Pengaruh \ul0\nosupersub\cf9
\f10\fs24 Capital Adequacy Ratio \ul0\nosupersub\cf1\f2\fs24 (CAR) \par\pard\li5
121\sb30\sl-276\slmult0\fi0\tldot\tx9790 \up0 \expndtw-3\charscalex100 terhadap
\ul0\nosupersub\cf9\f10\fs24 Return on Assets \ul0\nosupersub\cf1\f2\fs24 (ROA).
..\tab \up0 \expndtw-3\charscalex100 .39\par\pard\ql \li4445\sb1\sl-255\slmult0
\up0 \expndtw-4\charscalex100 2.3.2
Pengaruh \ul0\nosupersub\cf9\f10\fs24 Non
Performing Loan\ul0\nosupersub\cf1\f2\fs24 (NPL) \par\pard\li5121\sb10\sl-276\
slmult0\fi0\tldot\tx9730 \up0 \expndtw-4\charscalex100 terhadap \ul0\nosupersub\
cf9\f10\fs24 Return on Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) ...\tab \up0 \exp
ndtw-4\charscalex100 ..40\par\pard\ql \li4445\sb2\sl-276\slmult0 \up0 \expndtw-5
\charscalex100 2.3.3
Pengaruh BOPO terhadap \par\pard\li5121\sb1\sl-276\slmu
lt0\fi0\tldot\tx9731 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf9\f10\fs24
Return on Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) ...\tab \up0 \expndtw-4\charsc
alex100 ..41\par\pard\ql \li4415\sb7\sl-276\slmult0 \up0 \expndtw-2\charscalex10
0 2.3.4\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Pengaruh \ul
0\nosupersub\cf9\f10\fs24 Net Interest Margin\ul0\nosupersub\cf1\f2\fs24 (NIM)

\par\pard\li5121\sb1\sl-272\slmult0\fi0\tldot\tx9730 \up0 \expndtw-4\charscalex1
00 terhadap \ul0\nosupersub\cf9\f10\fs24 Return on Asset\ul0\nosupersub\cf1\f2\f
s24 (ROA) ...\tab \up0 \expndtw-4\charscalex100 ..42\par\pard\ql \li4415\sb0\sl
-266\slmult0 \up0 \expndtw-2\charscalex100 2.3.5\ul0\nosupersub\cf14\f15\fs24 \
ul0\nosupersub\cf1\f2\fs24 Pengaruh \ul0\nosupersub\cf9\f10\fs24 Loan to Depos
it Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) \par\pard\li5121\sb14\sl-276\slmult0\
fi0\tldot\tx9730 \up0 \expndtw-4\charscalex100 terhadap \ul0\nosupersub\cf9\f10\
fs24 Return on Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) ...\tab \up0 \expndtw-4\c
harscalex100 ..43\par\pard\ql \li6157\sb36\sl-276\slmult0 \up0 \expndtw-6\charsc
alex100 xi
}
g12}{\bkmkend Pg12}\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-27
6\slmult0\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-276\slmult0\
par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-276\slmult0\par\pard\l
i2283\sb0\sl-276\slmult0\par\pard\li2283\sb107\sl-276\slmult0\fi1426\tx4415\tldo
t\tx9730 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 2.4\tab \up0
\expndtw-4\charscalex100 Perumusan Hipotesis ...\tab \up0 \expndtw-4\charscalex1
00 ..45\par\pard\li2283\sb1\sl-268\slmult0\fi0\tx3724 \up0 \expndtw-4\charscalex
100 \ul0\nosupersub\cf6\f7\fs24 BAB III\tab \up0 \expndtw-4\charscalex100 METODE
PENELITIAN\par\pard\li2283\sb1\sl-270\slmult0\fi1441\tx4415\tldot\tx9731 \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 3.1\tab \up0 \expndtw-3\char
scalex100 Variabel Penelitian Dan Definisi Operasional ...\tab \up0 \expndtw-3\c
harscalex100 ..47\par\pard\li2283\sb12\sl-276\slmult0\fi2132\tldot\tx9671 \up0 \
expndtw-3\charscalex100 3.1.1\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\
f2\fs24 Variabel Penelitian...\tab \up0 \expndtw-3\charscalex100 ...47\par\par
d\li2283\sb1\sl-268\slmult0\fi2132\tldot\tx9671 \up0 \expndtw-3\charscalex100 3.
1.2\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Definisi Operasi
onal ...\tab \up0 \expndtw-3\charscalex100 ...48\par\pard\li2283\sb11\sl-276\slm
ult0\fi1426\tx4415\tldot\tx9670 \up0 \expndtw-3\charscalex100 3.2\tab \up0 \expn
dtw-3\charscalex100 Populasi dan Sampel...\tab \up0 \expndtw-3\charscalex100 ...
51\par\pard\li2283\sb1\sl-268\slmult0\fi1426\tx4415\tldot\tx9731 \up0 \expndtw-3
\charscalex100 3.3\tab \up0 \expndtw-3\charscalex100 Jenis dan Sumber Data ...\t
ab \up0 \expndtw-3\charscalex100 ..52\par\pard\li2283\sb1\sl-271\slmult0\fi1426\
tx4415\tldot\tx9791 \up0 \expndtw-3\charscalex100 3.4\tab \up0 \expndtw-3\charsc
alex100 Metode Pengumpulan Data ...\tab \up0 \expndtw-3\charscalex100 .53\par\pa
rd\li2283\sb10\sl-276\slmult0\fi1426\tx4415\tldot\tx9790 \up0 \expndtw-3\charsca
lex100 3.5\tab \up0 \expndtw-3\charscalex100 Metode Analisis Data ...\tab \up0 \
expndtw-3\charscalex100 .53\par\pard\li2283\sb1\sl-268\slmult0\fi2132\tldot\tx97
92 \up0 \expndtw-3\charscalex100 3.5.1\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupe
rsub\cf1\f2\fs24 Analisis Statistik Deskriptif ...\tab \up0 \expndtw-3\charsca
lex100 .53\par\pard\li2283\sb11\sl-276\slmult0\fi2132\tldot\tx9791 \up0 \expndtw
-3\charscalex100 3.5.2\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24
Uji Asumsi Klasik...\tab \up0 \expndtw-3\charscalex100 .54\par\pard\li2283\sb
0\sl-271\slmult0\fi2838\tldot\tx9670 \up0 \expndtw-3\charscalex100 3.5.2.1\ul0\n
osupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Uji Heteroskedastisitas ..
.\tab \up0 \expndtw-3\charscalex100 ...54\par\pard\li2283\sb0\sl-270\slmult0\fi2
838\tldot\tx9791 \up0 \expndtw-3\charscalex100 3.5.2.2\ul0\nosupersub\cf14\f15\f
s24 \ul0\nosupersub\cf1\f2\fs24 Uji Normalitas ...\tab \up0 \expndtw-3\charsca
lex100 .55\par\pard\li2283\sb11\sl-276\slmult0\fi2838\tldot\tx9732 \up0 \expndtw

-3\charscalex100 3.5.2.3\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs
24 Uji Multikolaritas ...\tab \up0 \expndtw-3\charscalex100 ..56\par\pard\li228
3\sb1\sl-268\slmult0\fi2838\tldot\tx9672 \up0 \expndtw-3\charscalex100 3.5.2.4\u
l0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Uji Autokolaritas ...\
tab \up0 \expndtw-3\charscalex100 ...57\par\pard\li2283\sb12\sl-276\slmult0\fi21
32\tldot\tx9672 \up0 \expndtw-3\charscalex100 3.5.3\ul0\nosupersub\cf14\f15\fs24
\ul0\nosupersub\cf1\f2\fs24 Analisis Regresi Berganda ...\tab \up0 \expndtw3\charscalex100 ...58\par\pard\li2283\sb1\sl-268\slmult0\fi2132\tldot\tx9791 \up
0 \expndtw-3\charscalex100 3.5.4\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\c
f1\f2\fs24 Pengujian Hipotesis ...\tab \up0 \expndtw-3\charscalex100 .60\par\p
ard\li2283\sb1\sl-270\slmult0\fi2838\tldot\tx9730 \up0 \expndtw-3\charscalex100
3.5.4.1\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Koefisien Dete
rminasi (R\ul0\super\cf11\f12\fs24 2\ul0\nosupersub\cf1\f2\fs24 ) ...\tab \up0 \
expndtw-3\charscalex100 ..60\par\pard\li2283\sb11\sl-276\slmult0\fi2838\tldot\tx
9731 \up0 \expndtw-3\charscalex100 3.5.4.2\ul0\nosupersub\cf14\f15\fs24 \ul0\no
supersub\cf1\f2\fs24 Uji Signifikansi Simultan (Uji F)...\tab \up0 \expndtw-3\ch
arscalex100 ..61\par\pard\li2283\sb0\sl-271\slmult0\fi2838 \up0 \expndtw-3\chars
calex100 3.5.4.3\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Uji
Signifikansi Parameter individual\par\pard\li2283\sb10\sl-276\slmult0\fi3559\tld
ot\tx9671 \up0 \expndtw-3\charscalex100 (Uji Statistik t) ...\tab \up0 \expndtw3\charscalex100 ...62\par\pard\li2283\sb1\sl-268\slmult0\fi0\tx3724 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 BAB IV\tab \up0 \expndtw-3\charsca
lex100 HASIL DAN PEMBAHASAN\par\pard\li3724\sb1\sl-270\slmult0\fi0\tx4415\tldot\
tx9791 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 4.1\tab \up0 \e
xpndtw-3\charscalex100 Deskripsi Obyek Penelitian ...\tab \up0 \expndtw-3\charsc
alex100 .64\par\pard\li3724\sb12\sl-276\slmult0\fi0\tx4415\tldot\tx9791 \up0 \ex
pndtw-3\charscalex100 4.2\tab \up0 \expndtw-3\charscalex100 Analisis Statistik D
eskriptif...\tab \up0 \expndtw-3\charscalex100 .64\par\pard\li3724\sb1\sl-268\sl
mult0\fi0\tx4415\tldot\tx9732 \up0 \expndtw-3\charscalex100 4.3\tab \up0 \expndt
w-3\charscalex100 Analisis Data ...\tab \up0 \expndtw-3\charscalex100 ..69\par\p
4.3.1\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Uji Asumsi Klasi
k ...\tab \up0 \expndtw-3\charscalex100 ...69\par\pard\li3724\sb1\sl-268\slmult0
\fi1352\tldot\tx9670 \up0 \expndtw-3\charscalex100 4.3.1.1\ul0\nosupersub\cf14\f
15\fs24 \ul0\nosupersub\cf1\f2\fs24 Uji Heteroskedastisitas...\tab \up0 \expndt
w-3\charscalex100 ...70\par\pard\li3724\sb1\sl-271\slmult0\fi1352\tldot\tx9791 \
up0 \expndtw-3\charscalex100 4.3.1.2\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupers
ub\cf1\f2\fs24 Uji Normalitas...\tab \up0 \expndtw-3\charscalex100 .73\par\pard\
li3724\sb10\sl-276\slmult0\fi1352\tldot\tx9792 \up0 \expndtw-3\charscalex100 4.3
.1.3\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Uji Multikolinier
itas...\tab \up0 \expndtw-3\charscalex100 .76\par\pard\li3724\sb1\sl-268\slmult0
\fi1352\tldot\tx9791 \up0 \expndtw-3\charscalex100 4.3.1.4\ul0\nosupersub\cf14\f
15\fs24 \ul0\nosupersub\cf1\f2\fs24 Uji Autokorelasi ...\tab \up0 \expndtw-3\ch
arscalex100 .77\par\pard\li3724\sb11\sl-276\slmult0\fi720\tldot\tx9670 \up0 \exp
ndtw-3\charscalex100 4.3.2\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\
fs24 Analisis Regresi ...\tab \up0 \expndtw-3\charscalex100 ...78\par\pard\li372
4\sb1\sl-268\slmult0\fi720\tldot\tx9671 \up0 \expndtw-3\charscalex100 4.3.3\ul0\
nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Pengujian Hipotesis ...\ta
b \up0 \expndtw-3\charscalex100 ...81\par\pard\li3724\sb1\sl-271\slmult0\fi1352\
tldot\tx9731 \up0 \expndtw-3\charscalex100 4.3.3.1\ul0\nosupersub\cf14\f15\fs24
\ul0\nosupersub\cf1\f2\fs24 Uji Koefisien Determinasi (R\ul0\super\cf11\f12\fs2
4 2\ul0\nosupersub\cf1\f2\fs24 )...\tab \up0 \expndtw-3\charscalex100 ..81\par\p
4.3.3.2\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Uji Signifika
si Simultan \ul0\nosupersub\cf9\f10\fs24 \ul0\nosupersub\cf1\f2\fs24 (Uji F)..
.\tab \up0 \expndtw-3\charscalex100 ...83\par\pard\li3724\sb1\sl-268\slmult0\fi1
352 \up0 \expndtw-3\charscalex100 4.3.3.3\ul0\nosupersub\cf14\f15\fs24 \ul0\nos
upersub\cf1\f2\fs24 Uji Signifikansi Parameter\par\pard\li3724\sb11\sl-276\slmul
t0\fi2103\tldot\tx9790 \up0 \expndtw-3\charscalex100 Individual (Uji Statistik t
) ...\tab \up0 \expndtw-3\charscalex100 .84\par\pard\li3724\sb1\sl-268\slmult0\f

i0\tx4415\tldot\tx9790 \up0 \expndtw-3\charscalex100 4.4\tab \up0 \expndtw-3\cha
rscalex100 Interpretasi Hasil ...\tab \up0 \expndtw-3\charscalex100 .85\par\pa
rd\li3724\sb1\sl-270\slmult0\fi690 \up0 \expndtw-3\charscalex100 4.4.1\ul0\nosup
ersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Interpretasi Hasil pada\par\p
\ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio \ul0\nosupersub\cf1\f2\fs24
(CAR) ...\tab \up0 \expndtw-3\charscalex100 .86\par\pard\li3724\sb1\sl-268\slmu
lt0\fi690 \up0 \expndtw-3\charscalex100 4.4.2\ul0\nosupersub\cf14\f15\fs24 \ul0
\nosupersub\cf1\f2\fs24 Interpretasi Hasil pada\par\pard\li3724\sb12\sl-276\sl
mult0\fi1397\tldot\tx9730 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\
fs24 Non Performing Loan\ul0\nosupersub\cf1\f2\fs24 (NPL) ...\tab \up0 \expndtw
-3\charscalex100 ..87\par\pard\li3724\sb1\sl-268\slmult0\fi720\tldot\tx9670 \up0
\expndtw-3\charscalex100 4.4.3\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf
1\f2\fs24 Interpretasi Hasil pada BOPO ...\tab \up0 \expndtw-3\charscalex100 ..
.88\par\pard\ql \li4445\sb0\sl-251\slmult0 \up0 \expndtw-1\charscalex100 4.4.4\u
l0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Interpretasi Hasil pad
a \par\pard\li5166\sb31\sl-276\slmult0\fi0\tldot\tx9610 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf9\f10\fs24 Net Interest Margin\ul0\nosupersub\cf1\f2\fs2
4 (NIM) ...\tab \up0 \expndtw-3\charscalex100 ... 89\par\pard\ql \li4445\sb1\sl
-254\slmult0 \up0 \expndtw-1\charscalex100 4.4.5\ul0\nosupersub\cf14\f15\fs24 \
ul0\nosupersub\cf1\f2\fs24 Interpretasi Hasil pada \par\pard\li5166\sb26\sl-276
\slmult0\fi0\tldot\tx9670 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\
fs24 Loan to Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) ...\tab \up0 \expnd
tw-3\charscalex100 ...90\par\pard\ql \li6127\sb126\sl-276\slmult0 \up0 \expndtw6\charscalex100 xii
}
g13}{\bkmkend Pg13}\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-27
6\slmult0\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-276\slmult0\
i2283\sb0\sl-276\slmult0\par\pard\li2283\sb107\sl-276\slmult0\fi0\tx3724 \up0 \e
xpndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 BAB V\tab \up0 \expndtw-3\cha
rscalex100 PENUTUP\par\pard\li2283\sb1\sl-268\slmult0\fi1426\tldot\tx9671 \up0 \
expndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 5.1. Kesimpulan ...\tab \up0
\expndtw-4\charscalex100 ...91\par\pard\li2283\sb1\sl-270\slmult0\fi1426\tldot\
tx9730 \up0 \expndtw-4\charscalex100 5.2. Keterbatasan Penelitian ...\tab \up0
\expndtw-4\charscalex100 ..94\par\pard\li2283\sb12\sl-276\slmult0\fi1426\tldot\t
x9791 \up0 \expndtw-4\charscalex100 5.3. Saran ...\tab \up0 \expndtw-4\charscal
ex100 .94\par\pard\li2283\sb1\sl-268\slmult0\fi0\tldot\tx9670 \up0 \expndtw-4\ch
arscalex100 DAFTAR PUSTAKA ...\tab \up0 \expndtw-4\charscalex100 ...96\par\pard\
li2283\sb11\sl-276\slmult0\fi0\tldot\tx9791 \up0 \expndtw-4\charscalex100 LAMPIR
AN-LAMPIRAN ...\tab \up0 \expndtw-4\charscalex100 .98\par\pard\ql \li6097\sb0\sl
-276\slmult0 \par\pard\ql\li6097\sb0\sl-276\slmult0 \par\pard\ql\li6097\sb0\sl-2

l-276\slmult0 \par\pard\ql\li6097\sb136\sl-276\slmult0 \up0 \expndtw-7\charscale
x100 xiii
}
100 \ul0\nosupersub\cf4\f5\fs29 DAFTAR TABEL \par\pard\ql \li9356\sb0\sl-276\slm
supersub\cf1\f2\fs24 Halaman \par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283
\sb16\sl-276\slmult0\fi0\tldot\tx9912 \up0 \expndtw-3\charscalex100 Tabel 1.1 Re
turn On Assets (ROA) periode 2005-2009 ...\tab \up0 \expndtw-3\charscalex100 .4\
par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb4\sl-276\slmult0\fi0\tldot\
tx9792 \up0 \expndtw-3\charscalex100 Tabel 1.2 Rata-rata rasio ROA, CAR, NPL, BO
PO, NIM ...\tab \up0 \expndtw-3\charscalex100 ...7\par\pard\li2283\sb0\sl-276\sl
mult0\par\pard\li2283\sb3\sl-276\slmult0\fi0\tldot\tx9790 \up0 \expndtw-3\charsc
alex100 Tabel 2.1 Ringkasan Penelitian Terdahulu ...\tab \up0 \expndtw-3\charsca
lex100 .36\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb4\sl-276\slmult0
\fi0\tldot\tx9791 \up0 \expndtw-3\charscalex100 Tabel 3.1 Definisi Operasional .
..\tab \up0 \expndtw-3\charscalex100 .50\par\pard\li2283\sb264\sl-276\slmult0\fi
0\tldot\tx9670 \up0 \expndtw-3\charscalex100 Tabel 3.2 Daftar Bank ...\tab \up0
\expndtw-3\charscalex100 ...52\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li228
3\sb4\sl-276\slmult0\fi0\tldot\tx9790 \up0 \expndtw-3\charscalex100 Tabel 4.1 An
alisis Deskriptif Variabel ...\tab \up0 \expndtw-3\charscalex100 .65\par\pard\li
2283\sb0\sl-276\slmult0\par\pard\li2283\sb3\sl-276\slmult0\fi0\tldot\tx9731 \up0
\expndtw-3\charscalex100 Tabel 4.2 Uji Heterokedastisitas ...\tab \up0 \expndtw
-3\charscalex100 ..71\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb4\sl276\slmult0\fi0\tldot\tx9671 \up0 \expndtw-3\charscalex100 Tabel 4.3 Uji Hetersk
edastisitas setelah \ul0\nosupersub\cf9\f10\fs24 Oulier\ul0\nosupersub\cf1\f2\fs
24 ...\tab \up0 \expndtw-3\charscalex100 ...72\par\pard\li2283\sb0\sl-276\slmul
t0\par\pard\li2283\sb3\sl-276\slmult0\fi0\tldot\tx9670 \up0 \expndtw-3\charscale
x100 Tabel 4.4 One Sample Kolmogorov Smirnov...\tab \up0 \expndtw-3\charscalex10
0 ...74\par\pard\li2283\sb265\sl-276\slmult0\fi0\tldot\tx9791 \up0 \expndtw-3\ch
arscalex100 Tabel 4.5 Uji Multikolinieritas ...\tab \up0 \expndtw-3\charscalex10
0 .77\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb3\sl-276\slmult0\fi0\
tldot\tx9731 \up0 \expndtw-3\charscalex100 Tabel 4.6 Uji Autokorelasi...\tab \up
0 \expndtw-3\charscalex100 ..78\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li22
83\sb4\sl-276\slmult0\fi0\tldot\tx9731 \up0 \expndtw-3\charscalex100 Tabel 4.7 A
nalisis Regresi ...\tab \up0 \expndtw-3\charscalex100 ..79\par\pard\li2283\sb0\s
l-276\slmult0\par\pard\li2283\sb3\sl-276\slmult0\fi0\tldot\tx9792 \up0 \expndtw3\charscalex100 Tabel 4.8. Uji F ...\tab \up0 \expndtw-3\charscalex100 .82\par\p
ard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb4\sl-276\slmult0\fi0\tldot\tx967
2 \up0 \expndtw-3\charscalex100 Tabel 4.9 Uji t ...\tab \up0 \expndtw-3\charscal
ex100 ...83\par\pard\li2283\sb264\sl-276\slmult0\fi0\tldot\tx9732 \up0 \expndtw3\charscalex100 Tabel 4.10 Koefisien Determinasi ...\tab \up0 \expndtw-3\charsca
lex100 ..85\par\pard\ql \li6097\sb0\sl-276\slmult0 \par\pard\ql\li6097\sb0\sl-27
\up0 \expndtw-5\charscalex100 xiv
}
100 \ul0\nosupersub\cf4\f5\fs29 DAFTAR GAMBAR \par\pard\ql \li9356\sb0\sl-276\sl
lt0 \par\pard\ql\li9356\sb48\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\n
osupersub\cf1\f2\fs24 Halaman \par\pard\li2283\sb0\sl-276\slmult0\par\pard\li228
3\sb16\sl-276\slmult0\fi0\tldot\tx9730 \up0 \expndtw-3\charscalex100 Gambar 2.1
Kerangka Pemikiran Penelitian...\tab \up0 \expndtw-3\charscalex100 ..45\par\pard
\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb4\sl-276\slmult0\fi0\tldot\tx9731 \
up0 \expndtw-3\charscalex100 Gambar 4.1 Grafik Scatterplot ...\tab \up0 \expndtw
-3\charscalex100 ..73\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb3\sl276\slmult0\fi0\tldot\tx9670 \up0 \expndtw-3\charscalex100 Gambar 4.2 Normal Pr
obability Plot ...\tab \up0 \expndtw-3\charscalex100 ...75\par\pard\li2283\sb0\s
l-276\slmult0\par\pard\li2283\sb4\sl-276\slmult0\fi0\tldot\tx9731 \up0 \expndtw3\charscalex100 Gambar 4.3 Grafik Histogram ...\tab \up0 \expndtw-3\charscalex10
0 ..76\par\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb0\sl-276\slm

100 xv
}
100 \ul0\nosupersub\cf4\f5\fs29 DAFTAR LAMPIRAN \par\pard\li2283\sb0\sl-276\slmu
lt0\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-276\slmult0\par\pa
rd\li2283\sb61\sl-276\slmult0\fi0\tldot\tx9611 \up0 \expndtw-6\charscalex100 \ul
0\nosupersub\cf1\f2\fs24 Lampiran A ...\tab \up0 \expndtw-6\charscalex100 . 98\p
ar\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb3\sl-276\slmult0\fi0\tldot\t
x9431 \up0 \expndtw-6\charscalex100 Lampiran B ...\tab \up0 \expndtw-6\charscale
x100 .. 100\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb4\sl-276\slmult
0\fi0\tldot\tx9431 \up0 \expndtw-6\charscalex100 Lampiran C ...\tab \up0 \expndt
w-6\charscalex100 .. 103\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb3\
sl-276\slmult0\fi0\tldot\tx9431 \up0 \expndtw-6\charscalex100 Lampiran D ...\tab
\up0 \expndtw-6\charscalex100 .. 108\par\pard\li2283\sb0\sl-276\slmult0\par\par
d\li2283\sb4\sl-276\slmult0\fi0\tldot\tx9371 \up0 \expndtw-6\charscalex100 Lampi
ran E...\tab \up0 \expndtw-6\charscalex100 ... 109\par\pard\li2283\sb264\sl-276\
slmult0\fi0\tldot\tx9371 \up0 \expndtw-6\charscalex100 Lampiran F ...\tab \up0 \
expndtw-6\charscalex100 ... 113\par\pard\ql \li6097\sb0\sl-276\slmult0 \par\pard
l-276\slmult0 \par\pard\ql\li6097\sb0\sl-276\slmult0 \par\pard\ql\li6097\sb0\sl276\slmult0 \par\pard\ql\li6097\sb0\sl-276\slmult0 \par\pard\ql\li6097\sb0\sl-27
\up0 \expndtw-5\charscalex100 xvi
}

x100 \ul0\nosupersub\cf4\f5\fs29 BAB I \par\pard\ql \li5166\sb0\sl-322\slmult0 \
par\pard\ql\li5166\sb196\sl-322\slmult0 \up0 \expndtw-6\charscalex100 PENDAHULUA
N \par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-276\slmult0\par\par
d\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\s
b186\sl-276\slmult0\fi0\tx3003 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6
\f7\fs24 1.1\tab \up0 \expndtw-3\charscalex100 Latar Belakang Masalah\par\pard\q
j \li2283\ri1488\sb222\sl-553\slmult0\fi720 \up0 \expndtw0\charscalex103 \ul0\no
supersub\cf1\f2\fs24 Globalisasi yang terjadi saat ini telah merubah aspek dalam
ekonomi, \line \up0 \expndtw0\charscalex100 politik serta budaya. Ekonomi lebih
cepat tumbuh membuat lebih banyak pula \line \up0 \expndtw0\charscalex100 modal
yang diperlukan untuk selalu meningkatkan perekonomian suatu negara, \line \up0
\expndtw-3\charscalex100 modal yang berasal dari dalam negeri ataupun dari luar
negeri. Salah satu sumber \line \up0 \expndtw0\charscalex100 pembiayaan (modal)
yang diperlukan antara lain adalah tabungan masyarakat \line \up0 \expndtw0\c
harscalex102 yang merupakan potensi modal dalam perekonomian. Agar potens
i dapat \line \up0 \expndtw-2\charscalex100 bermanfaat untuk pertumbuhan eko
nomi, perlu disalurkan kepada kelompok \line \up0 \expndtw-3\charscalex100 m
asyarakat yang membutuhkan modal untuk membiayai kegiatan yang produktif. \line
\up0 \expndtw0\charscalex100 Perlu suatu perusahaan yang bergerak dibidang ja
sa yang menyediakan jasa \line \up0 \expndtw-1\charscalex100 keuangan bagi
seluruh lapisan masyarakat, dan perusahaan tersebut dikenal \line \up0 \ex
pndtw-1\charscalex100 dengan nama bank. Fungsi utama bank secara umum adalah men
ghimpun dana \line \up0 \expndtw-2\charscalex100 dari masyarakat dan menyalurkan
nya kembali kepada masyarakat untuk berbagai \line \up0 \expndtw0\charscalex103
tujuan atau sebagai \ul0\nosupersub\cf9\f10\fs24 financial intermediary, \ul0\no
supersub\cf1\f2\fs24 oleh karena itu kepercayaan dari \line \up0 \expndtw-2\ch
arscalex100 masyarakat menjadi faktor yang utama dalam menjalankan bisnis perban
kan dan \line \up0 \expndtw-1\charscalex100 bank umum menjadi sangat penting pad
a masyarakat umum.\ul0\nosupersub\cf9\f10\fs24 \ul0\nosupersub\cf1\f2\fs24 Menu
rut Undang-\line \up0 \expndtw-4\charscalex100 Undang Republik Indonesia No. 10
tahun 1998 tentang perbankan pasal 1 ayat (3) \line \up0 \expndtw-5\charscalex10
0 : \up0 \expndtw-5\charscalex100 \u8220? Bank Umum merupakan bank yang melaks
anakan kegiatan usaha secara \par\pard\ql \li6187\sb0\sl-276\slmult0 \par\pard\q
l\li6187\sb200\sl-276\slmult0 \up0 \expndtw-3\charscalex100 1 \par\pard\sect\sec
td\fs24\paperw11900\paperh16840\pard\sb0\sl-240{\bkmkstart Pg18}{\bkmkend Pg18}\
par\pard\ql \li10107\sb0\sl-253\slmult0 \par\pard\ql\li10107\sb198\sl-253\slmult
0 \up0 \expndtw-8\charscalex100 \ul0\nosupersub\cf15\f16\fs22 2 \par\pard\qj \li
2268\sb0\sl-555\slmult0 \par\pard\qj\li2268\ri1499\sb523\sl-555\slmult0 \up0 \ex
pndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 konvensional dan atau berdasa
rkan prinsip syariah yang dalam kegiatannya \up0 \expndtw-1\charscalex100 me
mberikan jasa dalam lalu lintas keuangan\u8221?. Hal tersebut menunjukkan bahwa
\up0 \expndtw0\charscalex100 bank umum berfungsi dalam memberikan pelayanan atau
jasa-jasa dalam lalu\up0 \expndtw-2\charscalex100 lintas pembayaran. Disimpul
kan pula bahwa hanya bank umum yang dapat \up0 \expndtw-3\charscalex100 m
enyediakan jasa-jasa dalam lalu-lintas pembayaran. \par\pard\qj \li2268\ri1474\s
b208\sl-552\slmult0\fi720 \up0 \expndtw0\charscalex102 Berbagai krisis di Indone
sia yang terjadi sejak tahun 1997 berawal dari \line \up0 \expndtw0\charscalex10
0 krisis moneter dimana nilai tukar rupiah terhadap dolar Amerika Serikat tela
h \line \up0 \expndtw0\charscalex100 menghancurkan sendi-sendi ekonomi termasuk
perbankan. Krisis moneter yang \line \up0 \expndtw-3\charscalex100 terus-menerus
mengakibatkan krisis kepercayaan, akibatnya banyak bank lumpuh \line \up0 \expn
dtw0\charscalex100 dihantam dengan kredit macet. Hal tersebut mengakibatkan s
ekitar 16 bank \line \up0 \expndtw-2\charscalex100 mengalami likuidasi serta p
embekuan operasi 7 bank swasta menimbulkan suatu \line \up0 \expndtw0\charscalex
100 krisis social yaitu tingkat pengangguran meningkat, penduduk dibawah \u8220
?garis \line \up0 \expndtw-2\charscalex100 kemiskinan\u8221? meningkat serta k
riminalitas yang meningkat. Dampak yang muncul \line \up0 \expndtw0\charscalex10
0 akibat kegagalan usaha bank menimbulkan perlunya dilakukan serangkaian
\line \up0 \expndtw0\charscalex102 analisis yang sedemikian rupa sehingga risiko
kegagalan bank dapat dideteksi \line \up0 \expndtw-4\charscalex100 sedini mungk
in. Kondisi perekonomian yang sulit, terjadinya perubahan peraturan \line \up0 \
expndtw0\charscalex100 yang cepat, persaingan yang semakin tajam dan semakin ket
at sehingga kinerja \line \up0 \expndtw-3\charscalex100 bank yang menjadi rendah
karena sebenarnya tidak mampu bersaing di pasar. Hal \line \up0 \expndtw0\chars
calex100 tersebut mengakibatkan banyak bank yang sebenarnya kurang sehat.
Sehat \line \up0 \expndtw0\charscalex106 tidaknya kinerja keuangan perba
nkan dapat dilihat melalui kinerja \line \up0 \expndtw-3\charscalex100 p
rofitabilitasnya suatu bank tersebut. \par\pard\ql \li2988\sb0\sl-276\slmult0 \p
ar\pard\ql\li2988\sb160\sl-276\slmult0 \up0 \expndtw-5\charscalex100 Menurut Kas
mir (2003) bahwa memperoleh keuntungan merupakan tujuan \par\pard\ql \li2268\sb2
64\sl-276\slmult0 \up0 \expndtw-2\charscalex100 utama berdirinya suatu badan usa
ha, baik badan usaha yang berbentuk Perseroan \par\pard\ql \li6172\sb24\sl-276\s
lmult0 \up0 \expndtw-3\charscalex100 2
}
}}
}
g19}{\bkmkend Pg19}\par\pard\ql \li10107\sb0\sl-253\slmult0 \par\pard\ql\li10107
\sb198\sl-253\slmult0 \up0 \expndtw-8\charscalex100 \ul0\nosupersub\cf15\f16\fs2
2 3 \par\pard\qj \li2268\sb0\sl-556\slmult0 \par\pard\qj\li2268\ri1481\sb521\sl556\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Terbatas (
PT), yayasan maupun bentuk badan usaha lainnya. Apabila badan usaha \up0 \expndt
w0\charscalex100 terus-menerus memperoleh keuntungan, maka berarti kelangsungan
hidup badan \up0 \expndtw0\charscalex106 usaha tersebut akan terjamin. Penye
diaan laba sebagai indikator kinerja \up0 \expndtw0\charscalex100 perusahaan
merupakan fokus utama dari pelaporan modern. Beberapa penelitian \up0 \expndtw0
\charscalex105 telah dilakukan dengan menghubungkan rasio keuangan dengan
berbagai \up0 \expndtw0\charscalex102 fenomena akutansi dan ekonomi, antara
lain menghubungkan antara laporan \up0 \expndtw-3\charscalex100 keuangan, rasi
o keuangan dengan laba akuntansi. \par\pard\qj \li2268\ri1498\sb188\sl-552\slmul
t0\fi720 \up0 \expndtw0\charscalex103 Mengukur kinerja perusahaan yang nota bene
adalah profit motif dapat \line \up0 \expndtw0\charscalex100 digunakan analisi
s profitabilitas. Profitability analysis yang implementasinya \line \up0 \e
xpndtw0\charscalex104 adalah \ul0\nosupersub\cf9\f10\fs24 profitability ratio\ul
0\nosupersub\cf1\f2\fs24 disebut juga operating ratio, ada dua tipe rasio yakni
\line \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf9\f10\fs24 margin on sale\
ul0\nosupersub\cf1\f2\fs24 dan \ul0\nosupersub\cf9\f10\fs24 return on asset.\ul
0\nosupersub\cf1\f2\fs24 Profit margin untuk mengukur kemampuan \line \up0 \exp
ndtw0\charscalex105 perusahaan untuk mengendalikan pengeluaran yang berhubu
ngan dengan \line \up0 \expndtw0\charscalex104 penjualan, melalui \ul0\nosupers
ub\cf9\f10\fs24 gross profit margin, operating profit margin dan net profit \lin
e \up0 \expndtw0\charscalex100 margin\ul0\nosupersub\cf1\f2\fs24 (Shapito,2000
). Hubungan antara \ul0\nosupersub\cf9\f10\fs24 Return On Assets\ul0\nosuper
sub\cf1\f2\fs24 dan \ul0\nosupersub\cf9\f10\fs24 shareholder \line \up0 \expnd
tw0\charscalex105 equity\ul0\nosupersub\cf1\f2\fs24 ada dua ukuran yakni \ul0\
nosupersub\cf9\f10\fs24 Return On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) dan \
ul0\nosupersub\cf9\f10\fs24 Return On Equity \line \up0 \expndtw0\charscalex100
\ul0\nosupersub\cf1\f2\fs24 (ROE). ROA memfokuskan kemampuan perusahaan untuk m
emperoleh earning \line \up0 \expndtw0\charscalex104 dalam operasi perusahaan,
sedangkan ROE hanya mengukur return yang \line \up0 \expndtw0\charscalex1
01 diperoleh dari investasi pemilik perusahaan dalam bisnis tersebut \up0 \e
xpndtw-5\charscalex100 (Mawardi, \par\pard\qj \li2268\ri1509\sb10\sl-550\slmult0
\up0 \expndtw0\charscalex102 2005). Bank Indonesia juga lebih mengutamakan nila
i profitabilitas suatu bank \line \up0 \expndtw-2\charscalex100 yang diukur deng
an ROA dibandingkan dengan ROE karena Bank Indonesia lebih \line \up0 \expndtw0\
charscalex104 mengutamakan nilai profitabilitas suatu bank yang dikukur dengan a
sset yang \line \up0 \expndtw0\charscalex102 dananya sebagian besar berasal dari
simpanan masyarakat sehingga ROA lebih \line \up0 \expndtw0\charscalex100 mewak
ili dalam mengukur tingkat profitabilitas bank \up0 \expndtw-3\charscalex10
0 (Dendawijaya, \up0 \expndtw-4\charscalex100 2001). \par\pard\ql \li6172\sb177\
sl-276\slmult0 \up0 \expndtw-3\charscalex100 3
}
}}
}
2 4 \par\pard\qj \li2268\sb0\sl-560\slmult0 \par\pard\qj\li2268\ri1511\sb514\sl560\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf1\f2\fs24 Menurut ket
entuan Bank Indonesia, standar yang paling baik untuk \ul0\nosupersub\cf9\f10\fs
24 Return On \up0 \expndtw0\charscalex102 Assets\ul0\nosupersub\cf1\f2\fs24 dal
am ukuran bank-bank Indonesia yaitu 1,5%. Berikut adalah Tabel 1.1 \up0 \expndtw
0\charscalex100 berisi angka yang menunjukkan \ul0\nosupersub\cf9\f10\fs24 Retur
n On Assets \ul0\nosupersub\cf1\f2\fs24 pada beberapa bank umum \ul0\nosupersub\
cf9\f10\fs24 go \up0 \expndtw-3\charscalex100 public\ul0\nosupersub\cf1\f2\fs24

periode tahun 2005-2009. \par\pard\ql \li6067\sb0\sl-276\slmult0 \par\pard\ql\l
i6067\sb139\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\
fs24 Tabel. 1. 1 \par\pard\qj \li4430\ri3068\sb16\sl-480\slmult0 \up0 \expndtw-5
\charscalex100 \ul0\nosupersub\cf8\f9\fs24 Return On Asset\ul0\nosupersub\cf6\f7
\fs24 (ROA) dari Perusahaan \up0 \expndtw-5\charscalex100 Periode 2005-2009 (
dalam persen) \par\pard\li2388\sb244\sl-276\slmult0\fi0\tx4100\tx8095 \up0 \expn
dtw-4\charscalex100 No\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf16\f1
7\fs22 Nama Bank\tab \up0 \expndtw-3\charscalex100 ROA\par\pard\li2478\sb74\sl-2
53\slmult0\fi4175\tx7404\tx8125\tx8801\tx9552 \up0 \expndtw-4\charscalex100 2005
\tab \up0 \expndtw-4\charscalex100 2006\tab \up0 \expndtw-4\charscalex100 2007\t
ab \up0 \expndtw-4\charscalex100 2008\tab \up0 \expndtw-4\charscalex100 2009\par
\pard\li2478\sb13\sl-276\slmult0\fi450 \up0 \expndtw-4\charscalex100 \ul0\nosupe
rsub\cf1\f2\fs24 PT. Bank Eksekutif Internasional\par\pard\li2478\sb14\sl-276\sl
mult0\fi0\tx2928\tx6653\tx7389\tx8170\tx9056\tx9567 \up0 \expndtw-4\charscalex10
0 \ul0\nosupersub\cf15\f16\fs22 1\tab \up0 \expndtw-4\charscalex100 \ul0\nosuper
sub\cf1\f2\fs24 Tbk.\tab \up0 \expndtw-4\charscalex100 -2.99\tab \up0 \expndtw-4
\charscalex100 -0.96\tab \up0 \expndtw-4\charscalex100 0.13\tab \up0 \expndtw-4\
charscalex100 -2\tab \up0 \expndtw-4\charscalex100 -7.88\par\pard\li2478\sb1\sl262\slmult0\fi450 \up0 \expndtw-4\charscalex100 PT Bank Artha Graha Internasiona
l\par\pard\li2478\sb18\sl-276\slmult0\fi0\tx2928\tx6728\tx7464\tx8170\tx8831\tx9
642 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf15\f16\fs22 2\tab \up0 \expn
dtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Tbk.\tab \up0 \expndtw-4\charsca
lex100 0.34\tab \up0 \expndtw-4\charscalex100 0.40\tab \up0 \expndtw-4\charscale
x100 0.29\tab \up0 \expndtw-4\charscalex100 0.34\tab \up0 \expndtw-4\charscalex1
00 0.44\par\pard\li2478\sb54\sl-276\slmult0\fi0\tx2928\tx6848\tx7464\tx8170\tx88
31\tx9762 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf15\f16\fs22 3\tab \up0
\expndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 PT. Bank Kesawan Tbk.\tab
\up0 \expndtw-4\charscalex100 0.3\tab \up0 \expndtw-4\charscalex100 0.36\tab \up
0 \expndtw-4\charscalex100 0.35\tab \up0 \expndtw-4\charscalex100 0.23\tab \up0
\expndtw-4\charscalex100 0.3\par\pard\ql \li2928\sb0\sl-273\slmult0 \up0 \expndt
w-4\charscalex100 PT. Bank Bumiputera Indonesia \par\pard\li2478\sb7\sl-276\slmu
lt0\fi0\tx2928\tx6653\tx7464\tx8170\tx8831\tx9642 \up0 \expndtw-4\charscalex100
\ul0\nosupersub\cf15\f16\fs22 4\tab \up0 \expndtw-4\charscalex100 \ul0\nosupersu
b\cf1\f2\fs24 Tbk\tab \up0 \expndtw-4\charscalex100 -1.24\tab \up0 \expndtw-4\ch
arscalex100 0.26\tab \up0 \expndtw-4\charscalex100 0.57\tab \up0 \expndtw-4\char
scalex100 0.09\tab \up0 \expndtw-4\charscalex100 0.18\par\pard\ql \li2928\sb2\sl
-276\slmult0 \up0 \expndtw-4\charscalex100 PT. Bank Internasional Indonesia \par
\pard\li2478\sb17\sl-276\slmult0\fi0\tx2928\tx6728\tx7464\tx8170\tx8831\tx9642 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf15\f16\fs22 5\tab \up0 \expndtw-4
\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Tbk.\tab \up0 \expndtw-4\charscalex10
0 1.72\tab \up0 \expndtw-4\charscalex100 1.43\tab \up0 \expndtw-4\charscalex100
1.43\tab \up0 \expndtw-4\charscalex100 1.23\tab \up0 \expndtw-4\charscalex100 0.
09\par\pard\li2478\sb1\sl-262\slmult0\fi450 \up0 \expndtw-4\charscalex100 PT. Ba
nk Negara Indonesia\par\pard\li2478\sb17\sl-276\slmult0\fi0\tx2928\tx6728\tx7464
\tx8170\tx8831\tx9642 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf15\f16\fs2
2 6\tab \dn2 \expndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (Persero) Tbk.
\tab \dn2 \expndtw-4\charscalex100 1.61\tab \dn2 \expndtw-4\charscalex100 1.85\t
ab \dn2 \expndtw-4\charscalex100 0.85\tab \dn2 \expndtw-4\charscalex100 1.12\tab
\dn2 \expndtw-4\charscalex100 1.72\par\pard\li2478\sb5\sl-276\slmult0\fi450 \up
0 \expndtw-4\charscalex100 PT. Panin Bank Tbk. (Bank Pan\par\pard\li2478\sb14\sl
-276\slmult0\fi0\tx2928\tx6728\tx7464\tx8170\tx8831\tx9642 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf15\f16\fs22 7\tab \up0 \expndtw-4\charscalex100 \ul0\
nosupersub\cf1\f2\fs24 Indonesia)\tab \up0 \expndtw-4\charscalex100 2.27\tab \up
0 \expndtw-4\charscalex100 2.78\tab \up0 \expndtw-4\charscalex100 3.14\tab \up0
\expndtw-4\charscalex100 1.75\tab \up0 \expndtw-4\charscalex100 1.78\par\pard\li
2478\sb54\sl-276\slmult0\fi0\tx2928\tx6728\tx7464\tx8170\tx8831\tx9642 \up0 \exp
ndtw-3\charscalex100 \ul0\nosupersub\cf15\f16\fs22 8\tab \up0 \expndtw-4\charsca
lex100 \ul0\nosupersub\cf1\f2\fs24 PT. Bank Mandiri Tbk.\tab \up0 \expndtw-4\cha
rscalex100 3.19\tab \up0 \expndtw-4\charscalex100 0.47\tab \up0 \expndtw-4\chars
calex100 2.40\tab \up0 \expndtw-4\charscalex100 2.69\tab \up0 \expndtw-4\charsca

lex100 3.13\par\pard\li2478\sb55\sl-276\slmult0\fi0\tx2928\tx6728\tx7464\tx8170\
tx8831\tx9642 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf15\f16\fs22 9\tab
\up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 PT Bank Central Asia T
bk\tab \up0 \expndtw-4\charscalex100 3.44\tab \up0 \expndtw-4\charscalex100 3.80
\tab \up0 \expndtw-4\charscalex100 3.34\tab \up0 \expndtw-4\charscalex100 3.42\t
ab \up0 \expndtw-4\charscalex100 3.40\par\pard\ql \li2928\sb1\sl-256\slmult0 \up
0 \expndtw-4\charscalex100 PT. Bank Rakyat Indonesia \par\pard\li2418\sb23\sl-27
6\slmult0\fi0\tx2928\tx6728\tx7464\tx8170\tx8831\tx9642 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf15\f16\fs22 10\tab \dn3 \expndtw-3\charscalex100 \ul0\no
supersub\cf1\f2\fs24 (Persero)\tab \dn3 \expndtw-3\charscalex100 5.04\tab \dn3 \
expndtw-3\charscalex100 4.36\tab \dn3 \expndtw-3\charscalex100 4.61\tab \dn3 \ex
pndtw-3\charscalex100 4.18\tab \dn3 \expndtw-3\charscalex100 3.73\par\pard\ql \l
i2268\sb8\sl-253\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf15\f16\
fs22 Sumber : Direktori Perbankan Indonesia dan Infobank \par\pard\ql \li2988\sb
0\sl-276\slmult0 \par\pard\ql\li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988\sb76
\sl-276\slmult0\tx9026 \up0 \expndtw-2\charscalex100 Berdasarkan pada tabel 1
.1, sampel data \ul0\nosupersub\cf9\f10\fs24 Return On Assets \tab \up0 \exp
ndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (ROA) dari \par\pard\qj \li226
8\ri1501\sb50\sl-560\slmult0 \up0 \expndtw0\charscalex100 beberapa bank menunjuk
kan bahwa terdapat bank yang mempunyai nilai ROA \line \up0 \expndtw0\charscalex
100 yang menunjukkan profit dengan memiliki ROA positif dan terdapat pula bank \
line \up0 \expndtw-2\charscalex100 yang mengalami kerugian dengan nilai ROA nega
tif bahkan mengalami kerugian \par\pard\ql \li2268\sb215\sl-276\slmult0 \up0 \ex
pndtw0\charscalex100 yang semakin besar. Suatu bank dinyatakan sehat apabila ban
k memiliki ROA \par\pard\ql \li6172\sb24\sl-276\slmult0 \up0 \expndtw-3\charscal
ex100 4
}
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2 5 \par\pard\qj \li2268\sb0\sl-560\slmult0 \par\pard\qj\li2268\ri1497\sb514\sl560\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf1\f2\fs24 lebih dari
1,5% (Hasibuan, 2001:100). Beberapa bank menunjukkan nilai yang \line \up0 \expn
dtw0\charscalex100 fluktuatif, seperti bank Mandiri tahun 2005 mempunyai nilai r
ata-rata ROA yang \line \up0 \expndtw-1\charscalex100 baik dan melebihi stand
art bank sehat namun pada tahun \up0 \expndtw-1\charscalex100 2006 mengala
mi \par\pard\qj \li2268\ri1505\sb0\sl-560\slmult0 \up0 \expndtw0\charscalex104 p
enurunan drastis. Ketika tahun 2007 mulai mengalami peningkatan dan terus \up0 \
expndtw0\charscalex100 meningkat hingga tahun 2009. Terdapat pula yang bank yang
bergeraknya stabil \up0 \expndtw-1\charscalex100 seperti pada bank Central Asia
yang berkisar dengan rata-rata ROA pada standart \up0 \expndtw0\charscalex100 b
ank sehat yaitu 1,5%. Namun terdapat pula bank yang selalu mempunyai ROA \up0 \e
xpndtw-3\charscalex100 dibawah standart seperti pada bank Eksekutif Internasiona
l. \par\pard\qj \li2268\ri1503\sb148\sl-551\slmult0\fi720 \up0 \expndtw0\charsca
lex100 Adanya data empiris memperlihatkan bahwa perlunya suatu informasi \
line \up0 \expndtw0\charscalex103 terlebih lanjut sebagai factor penyebab. Hal t
ersebut dapat dilihat pada laporan \line \up0 \expndtw0\charscalex102 keuangan
perusahaan perbankan tersebut. Informasi tentang posisi keuangan \line \up0
\expndtw-1\charscalex100 perusahaan, kinerja perusahaan, dan informasi lain yang
berkaitan dengan laporan \line \up0 \expndtw0\charscalex100 keuangan dapat dipe
roleh dari laporan keuangan perusahaaan (Mabruroh, 2000). \line \up0 \expndtw-2\
charscalex100 Laporan keuangan merupakan salah satu informasi keuangan yang bers
umber dari \line \up0 \expndtw0\charscalex103 intern perusahaan, menunjukkan kin
erja keuangan masa lalu dan menunjukkan \line \up0 \expndtw-1\charscalex100 posi
si keuangan \up0 \expndtw-4\charscalex100 (Sudarini, \up0 \expndtw0\charscalex1
03 2005). Adanya analisis laporan keuangan akan \par\pard\qj \li2268\ri1493
\sb9\sl-552\slmult0 \up0 \expndtw0\charscalex102 membantu pihak-pihak yang berk
epentingan dalam memilih dan mengevaluasi \line \up0 \expndtw0\charscalex103 inf
ormasi dengan perhatian terfokus pada informasi yang \ul0\nosupersub\cf9\f10\fs2
4 reliable\ul0\nosupersub\cf1\f2\fs24
dan relevan \line \up0 \expndtw0\charsc
alex104 dengan keputusan bisnis, maka dapat menghemat waktu dan biaya peroleha
n \line \up0 \expndtw-4\charscalex100 informasi \up0 \expndtw0\charscalex100 (Mu

nawir,2002). Dilakukannya analisis terhadap laporan keuangan \line \up0 \exp
ndtw0\charscalex100 maka informasi yang dibaca akan lebih dalam dan lebih luas.
Hubungan satu pos \line \up0 \expndtw0\charscalex100 dengan pos yang lain akan d
apat menjadi indikator tentang posisi dan prestasi \par\pard\ql \li6172\sb0\sl-2
76\slmult0 \up0 \expndtw-3\charscalex100 5
}
}}
}
2 6 \par\pard\qj \li2268\sb0\sl-580\slmult0 \par\pard\qj\li2268\ri1495\sb477\sl580\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf1\f2\fs24 keuangan p
erusahaan. Analisis laporan keuangan meliputi perhitungan dan \up0 \expndt
w-3\charscalex100 interpretasi rasio (Mabruroh, 2000). \par\pard\qj \li2268\ri14
99\sb161\sl-555\slmult0\fi720 \up0 \expndtw0\charscalex102 Rasio-rasio keuanga
n memberikan informasi sederhana mengenai \line \up0 \expndtw0\charscalex
102 hubungan antara pos tertentu dengan pos lainnya sehingga memudahkan dan
\line \up0 \expndtw0\charscalex102 mempercepat dalam menilai kesehatan dan
kinerja perusahaan, serta dapat \line \up0 \expndtw-1\charscalex100 membantu
pelaku bisnis, pemerintah, dan para pemakai laporan keuangan lainnya \line \up0
\expndtw-2\charscalex100 dalam menilai kondisi keuangan perbankan (Sudarini,
\up0 \expndtw-2\charscalex100 2005). Untuk menilai \par\pard\qj \li2268\ri1489
\sb1\sl-560\slmult0 \up0 \expndtw0\charscalex100 kinerja keuangan perbankan umu
mnya digunakan lima aspek penilaian, yaitu \up0 \expndtw0\charscalex100 \ul0
\nosupersub\cf9\f10\fs24 capital, assets, management, earnings \ul0\nosupersub\c
f1\f2\fs24 dan\ul0\nosupersub\cf9\f10\fs24 liquidity\ul0\nosupersub\cf1\f2\fs24
yang biasa disebut CAMEL. \up0 \expndtw-1\charscalex100 Empat dari lima aspek
tersebut yaitu \ul0\nosupersub\cf9\f10\fs24 capital, assets, earnings, \ul0\nosu
persub\cf1\f2\fs24 dan\ul0\nosupersub\cf9\f10\fs24 liquidity\ul0\nosupersub\cf1
\f2\fs24 dinilai \up0 \expndtw-2\charscalex100 menggunakan rasio keuangan (Arya
ti, 2000). \par\pard\qj \li2268\ri1505\sb165\sl-554\slmult0\fi720 \up0 \expndtw0
\charscalex100 Hal tersebut yang menarik untuk diteliti yaitu untuk mengetahui s
eberapa \line \up0 \expndtw0\charscalex100 besar pengaruh rasio keuangan pada ti
ngkat profitabilitas perusahaan perbankan \line \up0 \expndtw0\charscalex103 Ind
onesia, maka pada penelitian ini mengambil kasus pada bank go public dari \line
\up0 \expndtw0\charscalex102 tahun 2005 hingga tahun 2009 dengan melakukan anali
sis kinerja keuangannya \line \up0 \expndtw0\charscalex103 untuk mengetahui seb
erapa besar tingkat profitabilitas tingkat profitabilitas di \line \up0 \expndtw

0\charscalex100 masa yang akan datang. Tabel 1.2 dibawah ini merupakan perhitu
ngan rata-rata \line \up0 \expndtw0\charscalex100 ROA, CAR, NPL, BOPO, LDR, NIM
sebagai rasio keuangan untuk mengetahui \line \up0 \expndtw-2\charscalex100 kine
rja pada perusahaan perbankan go public dari tahun 2005 sampai tahun 2009. \par\
pard\ql \li6172\sb0\sl-276\slmult0 \par\pard\ql\li6172\sb0\sl-276\slmult0 \par\p
ql\li6172\sb0\sl-276\slmult0 \par\pard\ql\li6172\sb244\sl-276\slmult0 \up0 \expn
dtw-3\charscalex100 6
}
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}
2 7 \par\pard\ql \li5767\sb0\sl-276\slmult0 \par\pard\ql\li5767\sb0\sl-276\slmul
par\pard\ql\li5767\sb0\sl-276\slmult0 \par\pard\ql\li5767\sb136\sl-276\slmult0 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 Tabel 1.2 \par\pard\qj
\li2988\ri2272\sb40\sl-620\slmult0 \up0 \expndtw-3\charscalex100 Data rata-rata
rasio CAR, NPL, BOPO, NIM, LDR dan ROA \line \up0 \expndtw-5\charscalex100 pada
perusahaan perbankan yang go public periode 2005-2009 \par\pard\li2868\sb0\sl-27
6\slmult0\par\pard\li2868\sb93\sl-276\slmult0\fi240\tx6923 \up0 \expndtw-3\chars
calex100 Rasio\tab \up0 \expndtw-3\charscalex100 Tahun\par\pard\li2868\sb70\sl-2
76\slmult0\fi0\tx4866\tx5992\tx7134\tx8260\tx9402 \up0 \expndtw-3\charscalex100
Rata-rata\tab \up0 \expndtw-3\charscalex100 2005\tab \up0 \expndtw-3\charscalex1
00 2006\tab \up0 \expndtw-3\charscalex100 2007\tab \up0 \expndtw-3\charscalex100
2008\tab \up0 \expndtw-3\charscalex100 2009\par\pard\li4836\sb24\sl-276\slmult0
\fi0\tx5962\tx7104\tx8290\tx9371 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\c
f1\f2\fs24 17.21\tab \up0 \expndtw-3\charscalex100 18.16\tab \up0 \expndtw-3\cha
rscalex100 17.65\tab \up0 \expndtw-3\charscalex100 16.6\tab \up0 \expndtw-3\char
scalex100 16.31\par\pard\ql \li2373\sb1\sl-220\slmult0 \up0 \expndtw-10\charscal
ex100 CAR (%) \par\pard\li4896\sb44\sl-276\slmult0\fi0\tx6022\tx7164\tx8290\tx
9432 \up0 \expndtw-3\charscalex100 3.48\tab \up0 \expndtw-3\charscalex100 3.63\t
ab \up0 \expndtw-3\charscalex100 2.64\tab \up0 \expndtw-3\charscalex100 2.28\tab
\up0 \expndtw-3\charscalex100 4.24\par\pard\ql \li2373\sb1\sl-220\slmult0 \up0
\expndtw-10\charscalex100 NPL
(%) \par\pard\li4896\sb45\sl-276\slmult0\fi0\tx
5962\tx7104\tx8230\tx9371 \up0 \expndtw-3\charscalex100 86.7\tab \up0 \expndtw-3
\charscalex100 88.51\tab \up0 \expndtw-3\charscalex100 84.76\tab \up0 \expndtw-3

\charscalex100 87.38\tab \up0 \expndtw-3\charscalex100 90.01\par\pard\ql \li2373
\sb1\sl-219\slmult0 \up0 \expndtw-4\charscalex100 BOPO(%) \par\pard\li4956\sb45\
sl-276\slmult0\fi0\tx6022\tx7224\tx8290\tx9432 \up0 \expndtw-3\charscalex100 5.3
\tab \up0 \expndtw-3\charscalex100 5.17\tab \up0 \expndtw-3\charscalex100 5.7\ta
b \up0 \expndtw-3\charscalex100 5.68\tab \up0 \expndtw-3\charscalex100 5.84\par\
pard\ql \li2373\sb1\sl-219\slmult0 \up0 \expndtw-10\charscalex100 NIM
(%) \pa
r\pard\li4836\sb31\sl-276\slmult0\fi0\tx6022\tx7104\tx8230\tx9371 \up0 \expndtw3\charscalex100 65.17\tab \up0 \expndtw-3\charscalex100 65.9\tab \up0 \expndtw-3
\charscalex100 70.17\tab \up0 \expndtw-3\charscalex100 75.29\tab \up0 \expndtw-3
\charscalex100 73.19\par\pard\ql \li2373\sb1\sl-236\slmult0 \up0 \expndtw-10\cha
rscalex100 LDR
(%) \par\pard\li4896\sb28\sl-276\slmult0\fi0\tx6022\tx7164\tx8
290\tx9432 \up0 \expndtw-3\charscalex100 1.60\tab \up0 \expndtw-3\charscalex100
1.53\tab \up0 \expndtw-3\charscalex100 1.75\tab \up0 \expndtw-3\charscalex100 1.
45\tab \up0 \expndtw-3\charscalex100 1.25\par\pard\ql \li2373\sb0\sl-216\slmult0
\up0 \expndtw-9\charscalex100 ROA
(%) \par\pard\ql \li2268\sb52\sl-276\slmul
t0 \up0 \expndtw-5\charscalex100 Sumber : Direktori Perbankan Indonesia dan Info
bank yang telah diolah \par\pard\qj \li2268\ri1507\sb236\sl-553\slmult0\fi720 \u
p0 \expndtw0\charscalex100 Dari tabel 1.2 diatas, rasio keuangan yang dihitung d
ari rasio \ul0\nosupersub\cf9\f10\fs24 Return On \line \up0 \expndtw-1\charscale
x100 Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) menunjukkan rata-rata yang mengalam
i fluktuasi. Nilai ROA pada \line \up0 \expndtw0\charscalex100 tahun 2005 sebesa
r 1,60% dan mengalami penurunan pada tahun 2006 menjadi \line \up0 \expndtw-3\ch
arscalex100 1,53%. Kemudian terjadi peningkatan kembali pada tahun 2007 hingga m
encapai \line \up0 \expndtw-1\charscalex100 1,75%. Namun ternyata pada tahun 200
8 kembali mengalami penurunan hingga \line \up0 \expndtw0\charscalex100 ROA seb
esar 1,45%. Kemudian tahun 2009 mengalami penurunan kembali \line \up0 \ex
pndtw0\charscalex100 dimana nilai profitabilitas yang diwakilkan dengan \ul0\n
osupersub\cf9\f10\fs24 Return On Asset \up0 \expndtw-3\charscalex100 \ul0\nos
upersub\cf1\f2\fs24 (ROA) \par\pard\ql \li2268\sb236\sl-276\slmult0 \up0 \expndt
w-4\charscalex100 bernilai 1,25%. \par\pard\ql \li2988\sb0\sl-276\slmult0 \par\p
ard\ql\li2988\sb188\sl-276\slmult0 \up0 \expndtw-2\charscalex100 Rasio keuangan
\ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio\ul0\nosupersub\cf1\f2\fs24
(CAR) pada tahun 2005 sebesar \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\
ql\li2268\sb8\sl-276\slmult0 \up0 \expndtw0\charscalex101 17,21% dan mengalami k
enaikan menjadi 18,16% pada tahun 2006. Menurut \par\pard\ql \li6172\sb104\sl-2
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
}}
}
2 8 \par\pard\qj \li2268\sb0\sl-560\slmult0 \par\pard\qj\li2268\ri1484\sb514\sl560\slmult0\tx3889 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Wer
daningtyas \tab \up0 \expndtw0\charscalex103 (2002) bahwa meningkatnya CAR a
kan memberikan hasil \line\up0 \expndtw0\charscalex100 sehingga meningkatkan
\ul0\nosupersub\cf9\f10\fs24 Return On Asset \up0 \expndtw0\charscalex104 \ul0
\nosupersub\cf1\f2\fs24 (ROA). Namun justru yang terjadi \par\pard\qj \li2268\
ri1502\sb0\sl-560\slmult0 \up0 \expndtw0\charscalex102 adalah penurunan pada nil
ai ROA yaitu dari tahun 2005 sebesar 1,76 kemudian \up0 \expndtw-3\charscalex100
menjadi 1,53% pada tahun 2006. \par\pard\qj \li2268\ri1497\sb189\sl-550\slmult0
\fi720 \up0 \expndtw0\charscalex101 Rasio keuangan \ul0\nosupersub\cf9\f10\fs24
Non Performin Loan \ul0\nosupersub\cf1\f2\fs24 (NPL) dengan nilai rata-rata tahu
n \line \up0 \expndtw0\charscalex103 2007 sebesar 2,64% dan pada tahun 2008 sebe
sar 2,28%. Hal ini menunjukkan \line \up0 \expndtw0\charscalex103 bahwa rata- r
ata nilai NPL tahun 2007 ke tahun 2008 mengalami penurunan. \line \up0 \expndt
w0\charscalex109 Semakin tinggi rasio ini maka semakin buruk kualitas kr
edit, bahkan \line \up0 \expndtw0\charscalex101 dikhawatirkan akan menjadi k
redit macet \up0 \expndtw-4\charscalex100 (Herdiningtyas, \up0 \expndtw-1\chars
calex100 2005). Harusnya \par\pard\qj \li2268\ri1499\sb8\sl-553\slmult0 \up0 \e
xpndtw0\charscalex100 dengan semakin menurunnya kualitas kredit akan mengakibatk
an kenaikan rasio \line \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf9\f10\fs
24 Return On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA). Namun yang terjadi adalah
sebaliknya, ROA pada tahun \line \up0 \expndtw0\charscalex102 2007 sebesar 1,75
% menjadi semakin menurun mencapain 1,45% pada tahun \line \up0 \expndtw-3\ch
arscalex100 2008. \par\pard\qj \li2268\ri1475\sb184\sl-557\slmult0\fi720 \up0 \e
xpndtw0\charscalex102 Rasio keuangan \ul0\nosupersub\cf9\f10\fs24 Net Interest M
argin\ul0\nosupersub\cf1\f2\fs24 (NIM) dengan nilai rata-rata tahun \up0 \expnd
tw-1\charscalex100 2008 sebesar 5,68% dan tahun 2009 sebesar 5,84%. Hal ini me
nunjukkan bahwa \up0 \expndtw0\charscalex105 rata- rata nilai NIM tahun 2008 ke
tahun 2009 mengalami kenaikan. Semakin \up0 \expndtw0\charscalex102 besar nilai
rasio ini maka akan meningkatnya pendapatan bunga atas aktiva \up0 \expnd
tw0\charscalex102 produktif yang dikelola oleh bank (Herdiningtyas, 2005). Maka
nilai \ul0\nosupersub\cf9\f10\fs24 Return On \up0 \expndtw0\charscalex100 Asset\
ul0\nosupersub\cf1\f2\fs24 (ROA) juga semakin meningkat. Tetapi dari data empir
is yang ada ternyata \up0 \expndtw0\charscalex100 nilai ROA pada tahun 2008 sebe
sar 1,45% dan pada tahun 2009 sebesar 1,25%. \up0 \expndtw-3\charscalex100 Hal
ini menunjukkan bahwa ROA mengalami penurunan. \par\pard\ql \li6172\sb0\sl-276\
mult0 \par\pard\ql\li6172\sb228\sl-276\slmult0 \up0 \expndtw-3\charscalex100 8
}
}}
}
2 9 \par\pard\qj \li2268\sb0\sl-553\slmult0 \par\pard\qj\li2268\ri1487\sb527\sl553\slmult0\fi720 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Rasio
keuangan \ul0\nosupersub\cf9\f10\fs24 Loan to Deposit Ratio\ul0\nosupersub\cf1\
f2\fs24 (LDR) dengan nilai rata-rata tahun \up0 \expndtw0\charscalex103 2007 se
besar 70,17% dan tahun 2008 sebesar 75,29%. Hal ini menunjukkan \up0 \expndt
w0\charscalex105 bahwa rata- rata nilai LDR tahun 2007 ke tahun 2008 mengalami p
enurunan. \up0 \expndtw0\charscalex103 Bank dapat likuid apabila dapat memenuhi
kewajibannya, membayar kembali \up0 \expndtw-2\charscalex100 deposannya serta m
emenuhi semua permintaan kredit yang diajukan tanpa adanya \up0 \expndtw0\charsc
alex102 penangguhan (Werdaningtyas, 2002). Ketika permintaan kredit semakin be
sar \up0 \expndtw0\charscalex100 maka akan menimbulkan suatu profit yang meningk
at pula sehingga rasio \ul0\nosupersub\cf9\f10\fs24 Return \up0 \expndtw0\charsc
alex103 On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) menunjukkan angka lebih ting
gi. Pada data yang telah diolah \up0 \expndtw0\charscalex102 menununjukkan bahwa
ROA mengalami penurunan pada tahun 2007 sebesar \up0 \expndtw-3\charscalex1
00 1,75% dan pada tahun 2008 sebesar 1,45%. \par\pard\qj \li2268\ri1504\sb210\sl
-550\slmult0\fi720 \up0 \expndtw0\charscalex100 Terdapat beberapa penelitian ter
dahulu yang sudah pernah dilakukan dan \up0 \expndtw0\charscalex103 berkaitan de
ngan pengukuran kinerja perbankan menggunakan rasio keuangan \up0 \expndtw-3\cha
rscalex100 untuk menilai profitabilitas bank, antara lain: \par\pard\qj \li2268\
ri1496\sb186\sl-555\slmult0\fi720 \up0 \expndtw0\charscalex100 \ul0\nosupersub\c
f9\f10\fs24 Capital Adequacy Ratio\ul0\nosupersub\cf1\f2\fs24 (CAR) yang diteli
ti oleh Werdaningtyas (2002) \line \up0 \expndtw0\charscalex100 menunjukkan ada
nya pengaruh yang signifikan positif antara \ul0\nosupersub\cf9\f10\fs24 Capit
al Adequecy \line \up0 \expndtw0\charscalex104 Ratio\ul0\nosupersub\cf1\f2\fs24
(CAR) terhadap \ul0\nosupersub\cf9\f10\fs24 Return On Asset\ul0\nosupersub\cf1
\f2\fs24 (ROA). Hal ini berbeda dengan hasil \line \up0 \expndtw0\charscalex10
3 penelitian yang dilakukan oleh Usman (2003 ) yang menunjukkan hasil bahwa \lin
e \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ra
tio \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (CAR) berpengaruh

negatif, sementara itu Mawardi \par\pard\qj \li2268\ri1490\sb0\sl-580\slmult0
\up0 \expndtw-1\charscalex100 (2005) mengatakan bahwa tidak adanya pengaruh \ul
0\nosupersub\cf9\f10\fs24 Capital Adequecy Ratio\ul0\nosupersub\cf1\f2\fs24 (CA
R) \up0 \expndtw-4\charscalex100 terhadap \ul0\nosupersub\cf9\f10\fs24 Return On
Asset\ul0\nosupersub\cf1\f2\fs24 (ROA). \par\pard\li2268\sb0\sl-276\slmult0\pa
r\pard\li2268\sb103\sl-276\slmult0\fi720\tx5677\tx9567 \up0 \expndtw0\charscalex
101 \ul0\nosupersub\cf9\f10\fs24 Non Performing Loan\tab \up0 \expndtw0\charsc
alex101 \ul0\nosupersub\cf1\f2\fs24 (NPL) yang diteliti oleh Usman\tab \up0
\expndtw0\charscalex101 (2003)\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li226
8\sb4\sl-276\slmult0\fi0 \up0 \expndtw0\charscalex102 menyimpulkan bahwa \ul0\no
supersub\cf9\f10\fs24 Non Performing Loan\ul0\nosupersub\cf1\f2\fs24 (NPL) be
rpengaruh positif terhadap\par\pard\ql \li6172\sb0\sl-276\slmult0 \par\pard\ql\l
i6172\sb90\sl-276\slmult0 \up0 \expndtw-3\charscalex100 9
}
}}
}
b198\sl-253\slmult0 \up0 \expndtw-6\charscalex100 \ul0\nosupersub\cf15\f16\fs22
10 \par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pa
rd\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\
sb216\sl-276\slmult0\fi0\tx8091 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1
\f2\fs24 terhadap peubahan laba, sementara menurut Mawardi\tab \up0 \expndt
w0\charscalex100 (2005) menunjukkan\par\pard\li2268\sb0\sl-276\slmult0\par\pard
\li2268\sb18\sl-276\slmult0\fi0 \up0 \expndtw0\charscalex100 pengaruh yang negat
if.\par\pard\qj \li2268\ri1484\sb200\sl-570\slmult0\fi720 \up0 \expndtw-1\charsc
alex100 BOPO yang diteliti oleh Usman (2003) dan Sudarini (2005) menunjukkan \up
0 \expndtw0\charscalex100 hasil yang positif terhadap pengaruh BOPO terhadap per
ubahan laba, sedangkan \up0 \expndtw-3\charscalex100 menurut Mawardi (2005) menu
njukkan pengaruh yang negatif. \par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard
\ql\li2988\sb137\sl-276\slmult0\tx5361\tx9565 \up0 \expndtw0\charscalex104 \ul0\
nosupersub\cf9\f10\fs24 Net Interest Margin \tab \up0 \expndtw0\charscalex107
\ul0\nosupersub\cf1\f2\fs24 (NIM)
yang diteliti oleh Mawardi \tab \up0 \e
xpndtw-4\charscalex100 (2005) \par\pard\ql \li2268\sb264\sl-276\slmult0\tx6517 \
up0 \expndtw-1\charscalex100 menunjukkan hasil \ul0\nosupersub\cf9\f10\fs24 Ne
t Interest Margin \tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs2
4 (NIM) berpengaruh positif terhadap \par\pard\qj \li2268\ri1499\sb13\sl-580\s
lmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Return On Asset
\ul0\nosupersub\cf1\f2\fs24 (ROA). Sedangkan menurut Usman (2003), \ul0\nosuper
sub\cf9\f10\fs24 Net Interest Margin \up0 \expndtw-4\charscalex100 \ul0\nosupers

ub\cf1\f2\fs24 (NIM) berpengaruh negatif. \par\pard\li2268\sb0\sl-276\slmult0\pa
r\pard\li2268\sb138\sl-276\slmult0\fi720\tx5467 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf9\f10\fs24 Loan to Deposit Ratio\tab \up0 \expndtw0\charscale
x100 \ul0\nosupersub\cf1\f2\fs24 (LDR) yang diteliti oleh Usman (2003) yang\
par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb3\sl-276\slmult0\fi0\tx9567
\up0 \expndtw0\charscalex100 menunjukkan adanya pengaruh positif antara \ul0
\nosupersub\cf9\f10\fs24 Loan to Deposit Ratio\tab \up0 \expndtw0\charscalex
100 \ul0\nosupersub\cf1\f2\fs24 (LDR)\par\pard\li2268\sb0\sl-276\slmult0\par\par
d\li2268\sb4\sl-276\slmult0\fi0\tx8494 \up0 \expndtw0\charscalex100 terhadap pe
rubahan laba\ul0\nosupersub\cf9\f10\fs24 .\ul0\nosupersub\cf1\f2\fs24 Sementa
ra pada Werdaningtyas\tab \up0 \expndtw0\charscalex100 (2002) pengaruh\par\pa
rd\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb18\sl-276\slmult0\fi0 \up0 \expnd
tw0\charscalex100 negatif.\par\pard\qj \li2268\ri1483\sb207\sl-560\slmult0\fi720
\up0 \expndtw0\charscalex100 Hanya bank umum yang menyediakan jasa-jasa lalu-l
intas pembayaran \line \up0 \expndtw-1\charscalex100 sehingga mampu mempermudah
kehidupan masyarakat, sedangkan BPR tidak \line \up0 \expndtw-1\charscalex100 d
iperkenankan melakukan kegiatan lalu-lintas pembayaran, oleh karena itu bank \li
ne \up0 \expndtw-3\charscalex100 umum dipilih dalam penelitian. Laporan keuangan
juga disajikan pada bank yang \line \up0 \expndtw-4\charscalex100 telah \ul0\no
supersub\cf9\f10\fs24 Go public\ul0\nosupersub\cf1\f2\fs24 sehingga akan memper
mudah penelitian yang dilakukan. \par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pa
rd\ql\li2988\sb119\sl-276\slmult0 \up0 \expndtw-4\charscalex100 Berdasarkan lata
r belakang diatas, maka dilakukan penelitian dengan judul \par\pard\ql \li2268\s
b0\sl-276\slmult0 \par\pard\ql\li2268\sb8\sl-276\slmult0 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf6\f7\fs24 \u8220?Analisis pengaruh CAR, NPL, BOPO,
NIM dan LDR terhadap ROA \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\
\li6112\sb256\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f
2\fs24 10
}
}}
}
11 \par\pard\qj \li2268\sb0\sl-580\slmult0 \par\pard\qj\li2268\ri1482\sb477\sl-5
80\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf6\f7\fs24 (Studi Kasu
s pada Bank Umum \ul0\nosupersub\cf8\f9\fs24 Go public\ul0\nosupersub\cf6\f
7\fs24 yang Listed di Bursa Efek \up0 \expndtw-4\charscalex100 Indonesia t
ahun 2005-2009). \par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\

slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\pa
r\pard\li2268\sb72\sl-276\slmult0\fi0\tx2988 \up0 \expndtw-4\charscalex100 1.2\t
ab \up0 \expndtw-4\charscalex100 Perumusan Masalah\par\pard\qj \li2268\ri1482\sb
201\sl-566\slmult0\fi720 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs
24 Pada sampel data tabel 1.1 menunjukkan bahwa dari 10 bank masih \up0
\expndtw-2\charscalex100 menununjukkan nilai \ul0\nosupersub\cf9\f10\fs24 Return
On Assets\ul0\nosupersub\cf1\f2\fs24 (ROA) yang fluktuatif dan secara teoritis
\up0 \expndtw0\charscalex100 penyebab perkembangan fundamental bank yaitu \ul
0\nosupersub\cf9\f10\fs24 capital, assets, earning\ul0\nosupersub\cf1\f2\fs24
dan \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs24 liquidity\ul0\nos
upersub\cf1\f2\fs24 dinilai dengan rasio keuangan seperti pada tabel 1.2. \par\
pard\qj \li2268\ri1489\sb165\sl-553\slmult0\fi720 \up0 \expndtw0\charscalex100 A
danya fenomena gap berdasarkan hasil perhitungan rata-rata rasio \line \u
p0 \expndtw-1\charscalex100 keuangan ROA, CAR, NPL, NIM, BOPO dan LDR pada tabel
1.2 diatas, dapat \line \up0 \expndtw-1\charscalex100 disimpulkan bahwa rata-r
ata rasio keuangan tiap tahunnya sejak tahun 2005 \line \up0 \expndtw-1\ch
arscalex100 hingga tahun 2009 mempunyai rata-rata kenaikan dan penurunan
data dari \line \up0 \expndtw-4\charscalex100 masing-masing variabel. Jika dil
ihat dari tingkat kekonsistenan data pada tabel 1.2 \line \up0 \expndtw0\charsca
lex101 antara ROA dan CAR, NIM, LDR, BOPO dan NPL maka dapat disimpulkan \line
\up0 \expndtw0\charscalex100 bahwa nilai rata-rata tersebut tidak menunjukkan ad
anya kekonsistensinan data \line \up0 \expndtw0\charscalex100 karena nilai rata
-rarta tersebut mengalami fluktuasi, mengalami kenaikan dan \line \up0 \expndt
w0\charscalex100 penurunan, seperti pada nilai CAR tahun 2006 sebesar 18,16% dan
mengalami \line \up0 \expndtw0\charscalex100 penurunan pada tahun 2007 yaitu se
besar 17,65%. Adanya penurunan terhadap \line \up0 \expndtw0\charscalex100 CAR m
enyebabkan ROA seharusnya mengalami penurunan pula, namun pada \line \up0 \expnd
tw0\charscalex100 data yang ada nilai ROA pada tahun 2006 dan 2007 mengalami ken
aikan yaitu \line \up0 \expndtw-4\charscalex100 1,53% dan 1,75%. \par\pard\ql \l
112\sb124\sl-276\slmult0 \up0 \expndtw-3\charscalex100 11
}
}}
}
60\slmult0\fi720 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf1\f2\fs24 Dari h
asil penelitian terdahulu terdapat beberapa pendapat yang berbeda \up0 \expndtw0
\charscalex100 mengenai variable yang berpengaruh terhadap \ul0\nosupersub\cf9
\f10\fs24 Return On Assets\ul0\nosupersub\cf1\f2\fs24 (ROA). Seperti \up0 \expn
dtw-4\charscalex100 yang dihasilkan dari peneliti sebelumnya. \par\pard\qj \li22
68\ri1497\sb172\sl-570\slmult0\fi720 \up0 \expndtw-2\charscalex100 Werdaningtyas
(2002) menghasilkan penelitian bahwa CAR berpengaruh \up0 \expndtw0\charscale
x102 positif dan signifikan terhadap profitabilitas dan LDR berpengaruh
negarif \up0 \expndtw-4\charscalex100 terhadap ROA. \par\pard\qj \li2268\ri1488\
sb162\sl-556\slmult0\fi720 \up0 \expndtw0\charscalex100 Usman (2003) menghasil
kan penelitian bahwa NPL, BOPO dan LDR \up0 \expndtw-1\charscalex100 berpengaru
h positif terhadap pertumbuhan laba, sedangkan NIM berpengaruh \up0 \expndtw
-2\charscalex100 negatif terhadap perubahan laba. Serta \ul0\nosupersub\cf9\f10\
fs24 Quick Ratio, Gross Profit Margin\ul0\nosupersub\cf1\f2\fs24 (GPM), \up0 \e
xpndtw0\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Net Profit Margin\ul0\nosuper
sub\cf1\f2\fs24 (NPM), dan \ul0\nosupersub\cf9\f10\fs24 Deposit Risk ratio\ul0\
nosupersub\cf1\f2\fs24 (DRR). Menunjukkan bahwa \up0 \expndtw-1\charscalex100 s
emuanya tidak menunjukkan pengaruh yang signifikan terhadap laba bank satu \up0
\expndtw-3\charscalex100 tahun mendatang kecuali quick ratio. \par\pard\qj \li22
68\ri1487\sb189\sl-550\slmult0\fi720 \up0 \expndtw-1\charscalex100 Mawardi (200
5) menyimpulkan bahwa CAR berpengaruh positif tetapi \up0 \expndtw-2\charscalex
100 tidak signifikan terhadap ROA sedangkan BOPO dan NPL mempunyai pengaruh \up0
\expndtw-3\charscalex100 negatif terhadap ROA dan NIM berpengaruh positif terha
dap ROA. \par\pard\qj \li2268\ri1508\sb242\sl-560\slmult0\fi720 \up0 \expndtw-5\
charscalex100 Atas dasar permasalahan yaitu adanya fenomena empiris dan \ul0\nos
upersub\cf9\f10\fs24 research gap \up0 \expndtw-5\charscalex100 \ul0\nosupersub\
cf1\f2\fs24 diatas maka dirumuskan pertanyaan penelitian sebagai berikut : \par\
pard\ql \li2988\ri1487\sb204\sl-580\slmult0\tx3348 \up0 \expndtw-2\charscalex100
1.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Bagaimana pengaru
h \ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio\ul0\nosupersub\cf1\f2\fs24
(CAR) terhadap \ul0\nosupersub\cf9\f10\fs24 Return \line\tab \up0 \expndtw-4\c
harscalex100 On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) ? \par\pard\ql \li2988\r
i1495\sb234\sl-540\slmult0\tx3348 \up0 \expndtw-4\charscalex100 2.\ul0\nosupersu
b\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Bagaimana pengaruh \ul0\nosupersub
\cf9\f10\fs24 Non Performing Loan\ul0\nosupersub\cf1\f2\fs24 (NPL) terhadap \ul
0\nosupersub\cf9\f10\fs24 Return On \line\tab \up0 \expndtw-4\charscalex100 Asse
t\ul0\nosupersub\cf1\f2\fs24 (ROA) ? \par\pard\ql \li6112\sb159\sl-276\slmult0
\up0 \expndtw-3\charscalex100 12
}
}}
}
13 \par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988\sb0\sl-276\slmult
persub\cf1\f2\fs24 3.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24
Bagaimana pengaruh BOPO terhadap \ul0\nosupersub\cf9\f10\fs24 Return On Asset\u
l0\nosupersub\cf1\f2\fs24 (ROA) ? \par\pard\ql \li2988\ri1495\sb270\sl-560\slmu
lt0\tx3348 \up0 \expndtw-1\charscalex100 4.\ul0\nosupersub\cf14\f15\fs24 \ul0\n
osupersub\cf1\f2\fs24 Bagaimana pengaruh \ul0\nosupersub\cf9\f10\fs24 Net Inter
est Margin\ul0\nosupersub\cf1\f2\fs24 (NIM) terhadap \ul0\nosupersub\cf9\f10\
fs24 Return On \line\tab \up0 \expndtw-4\charscalex100 Asset\ul0\nosupersub\cf1\
f2\fs24 (ROA) ? \par\pard\ql \li2988\ri1487\sb220\sl-560\slmult0\tx3348 \up0 \e
xpndtw0\charscalex102 5.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs
24 Bagaimana pengaruh \ul0\nosupersub\cf9\f10\fs24 Loan to Deposit Ratio\ul0\no
supersub\cf1\f2\fs24 (LDR) terhadap \ul0\nosupersub\cf9\f10\fs24 Return \line\
tab \up0 \expndtw-4\charscalex100 On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) ? \
i2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb11
7\sl-276\slmult0\fi0\tx2988 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7
\fs24 1.3\tab \up0 \expndtw-3\charscalex100 Tujuan dan Kegunaan Penelitian\par\p
ard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb182\sl-276\slmult0 \up0
\expndtw-1\charscalex100 1.3.1 Tujuan Penelitian \par\pard\qj \li2268\ri1501\s
b250\sl-560\slmult0\fi720 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs
24 Berdasarkan\ul0\nosupersub\cf9\f10\fs24 \ul0\nosupersub\cf1\f2\fs24 pertanya
an penelitian yang ada, maka tujuan dari penelitian \up0 \expndtw-3\charscalex
100 ini adalah : \par\pard\ql \li2988\ri1501\sb180\sl-560\slmult0\tx3348 \up0 \e
xpndtw-2\charscalex100 1.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\f
s24 Untuk menganalisis pengaruh \ul0\nosupersub\cf9\f10\fs24 Capital adequacy R
atio\ul0\nosupersub\cf1\f2\fs24 (CAR) terhadap \line\tab \up0 \expndtw-4\charsc
alex100 \ul0\nosupersub\cf9\f10\fs24 Return On Asset \ul0\nosupersub\cf1\f2\fs24
(ROA) \par\pard\ql \li2988\ri1501\sb180\sl-560\slmult0\tx3348 \up0 \expndtw0\ch
arscalex102 2.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Untuk
menganalisis pengaruh \ul0\nosupersub\cf9\f10\fs24 Net Performing Loan\ul0\nosup
ersub\cf1\f2\fs24 (NPL) terhadap \line\tab \up0 \expndtw-4\charscalex100 \ul0\n
osupersub\cf9\f10\fs24 Return On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) \par\pa
rd\ql \li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988\sb159\sl-276\slmult0 \up0 \
expndtw-2\charscalex100 3.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\
fs24 Untuk menganalisis pengaruh BOPO terhadap \ul0\nosupersub\cf9\f10\fs24 Ret
urn On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) \par\pard\ql \li2988\ri1499\sb230
\sl-560\slmult0\tx3348 \up0 \expndtw0\charscalex102 4.\ul0\nosupersub\cf14\f15\f
s24 \ul0\nosupersub\cf1\f2\fs24 Untuk menganalisis pengaruh\ul0\nosupersub\cf
9\f10\fs24 Net Interest Margin \ul0\nosupersub\cf1\f2\fs24 (NIM) terhadap \li
ne\tab \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Return On Asse
t\ul0\nosupersub\cf1\f2\fs24 (ROA) \par\pard\ql \li2988\ri1496\sb180\sl-560\slm
ult0\tx3348 \up0 \expndtw0\charscalex101 5.\ul0\nosupersub\cf14\f15\fs24 \ul0\n
osupersub\cf1\f2\fs24 Untuk menganalisis pengaruh\ul0\nosupersub\cf9\f10\fs24
Loan to Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) terhadap \line\tab \up0
\expndtw-4\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Return On Asset\ul0\nosupe
rsub\cf1\f2\fs24 (ROA). \par\pard\ql \li6112\sb275\sl-276\slmult0 \up0 \expndtw
-3\charscalex100 13
}

}}
}
}}
}
\par\pard\ql\li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb0\sl-276\slmult0 \p
ar\pard\ql\li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb136\sl-276\slmult0\tx
2988 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 1.3.2 \tab \up0 \
expndtw-3\charscalex100 Kegunaan Penelitian \par\pard\ql \li2988\sb0\sl-276\slmu
lt0 \par\pard\ql\li2988\sb208\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf1\f2\fs24 Kegunaan dari penelitian ini sebagai berikut : \par\pard\
ql \li3123\sb0\sl-276\slmult0 \par\pard\ql\li3123\sb208\sl-276\slmult0 \up0 \exp
ndtw-1\charscalex100 1.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs2
4 Investor \par\pard\qj \li3409\ri1508\sb238\sl-550\slmult0 \up0 \expndtw0\chars
calex103 Hasil penelitian ini diharapkan dapat memberikan kontribusi bagi \lin
e \up0 \expndtw0\charscalex103 investor dalam berivestasi dengan melihat Capital
Adequacy Ratio \line \up0 \expndtw0\charscalex104 (CAR), Non Performing Loan (N
PL), BOPO, Net Interest Margin \par\pard\qj \li3409\ri1496\sb2\sl-560\slmult0 \
up0 \expndtw-2\charscalex100 (NIM) dan Loan to Deposit Ratio (LDR) sebagai bahan
pertimbangan \line \up0 \expndtw-3\charscalex100 dalam pengambilan keputusan in
vestasi di perusahaan perbankan. \par\pard\ql \li3348\sb0\sl-276\slmult0 \par\pa
rd\ql\li3348\sb159\sl-276\slmult0 \up0 \expndtw0\charscalex102 2.\ul0\nosupersub
\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Emiten \par\pard\qj \li3409\ri1491\
sb202\sl-570\slmult0 \up0 \expndtw0\charscalex103 Penelitian ini diharapkan dapa
t digunakan sebagai salah satu dasar \up0 \expndtw-1\charscalex100 pertimbangan
dalam pengambilan keputusan dalam bidang keuangan \up0 \expndtw-3\charscalex100
terutama dalam rangka memaksimumkan profitabilitas. \par\pard\ql \li3348\sb0\sl276\slmult0 \par\pard\ql\li3348\sb137\sl-276\slmult0 \up0 \expndtw0\charscalex10
1 3.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Akademisi \par\p
ard\qj \li3409\ri1500\sb230\sl-560\slmult0 \up0 \expndtw0\charscalex100 Hasil pe
nelitian diharapkan dapat mendukung penelitian selanjutnya \up0 \expndtw0\charsc
alex102 dalam melakukan penelitian yang berkaitan dengan rasio keuangan \up0 \ex
pndtw-3\charscalex100 dan profitabilitas pada perusahaan perbankan. \par\pard\li
2268\sb0\sl-276\slmult0\par\pard\li2268\sb166\sl-276\slmult0\fi0\tx2988 \up0 \ex

pndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 1.4\tab \up0 \expndtw-3\charsc
alex100 Sistematika Penulisan\par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard\q
l\li2988\sb181\sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f
2\fs24 Sistematika penulisan dalam penelitian ini disusun secara berurutan yang
\par\pard\ql \li2268\sb264\sl-276\slmult0 \up0 \expndtw-2\charscalex100 terdiri
dari beberapa bab yaitu: Bab I Pendahuluan, Bab II Telaah Pustaka, Bab III \par\
pard\ql \li6112\sb84\sl-276\slmult0 \up0 \expndtw-3\charscalex100 14
}
}}
}
}}
}
80\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf1\f2\fs24 Metode Pene
litian, Bab IV Hasil Pembahasan , dan Bab V Penutup. Untuk \up0 \expndtw-3
\charscalex100 masing-masing isi dari setiap bagian adalah sebagai berikut: \par
\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988\sb136\sl-276\slmult0\tx3
830 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 BAB I \tab \up0 \e
xpndtw-4\charscalex100 : PENDAHULUAN \par\pard\qj \li2988\ri1527\sb230\sl-560\s
lmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Berisi mengena
i latar belakang, rumusan masalah, tujuan penelitian, \up0 \expndtw-5\char
scalex100 kegunaan penelitian dan sistematika penulisan, dan \par\pard\li2988\sb
0\sl-276\slmult0\par\pard\li2988\sb169\sl-276\slmult0\fi0\tx4550 \up0 \expndtw-3
\charscalex100 \ul0\nosupersub\cf6\f7\fs24 BAB II\tab \up0 \expndtw-3\charscalex
100 : TINJAUAN PUSTAKA\par\pard\qj \li2988\ri1499\sb220\sl-560\slmult0 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Berisi mengenai landasan teori
penunjang penelitian, penelitian terdahulu \up0 \expndtw-3\charscalex100 yang s

ejenis, kerangka pikir dan hipotesis yang diajukan dalam penelitian, \up0 \expnd
tw-4\charscalex100 selanjutnya \par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard
\ql\li2988\sb159\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
6\f7\fs24 BAB III : METODE PENELITIAN \par\pard\qj \li2988\ri1501\sb210\sl-560\
slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Pada bab ini d
iuraikan tentang metode penelitian dalam penulisan skripsi \line \up0 \expndtw0\
charscalex100 ini. Berisi tentang variabel penelitian, jenis dan sumber data
, metode \line \up0 \expndtw0\charscalex103 pengumpulan data serta metode
analisis yang digunakan untuk \line \up0 \expndtw-5\charscalex100 memberi
kan jawaban atas permasalahan yang digunakan, kemudian \par\pard\ql \li2988\sb0\
sl-276\slmult0 \par\pard\ql\li2988\sb159\sl-276\slmult0 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf6\f7\fs24 BAB IV : HASIL DAN PEMBAHASAN \par\pard\qj \l
i2988\ri1506\sb238\sl-550\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\
cf1\f2\fs24 Bab ini merupakan inti dari penelitian, hasil analisis data dan pemb
ahasan. \up0 \expndtw0\charscalex103 Pada bab ini data-data yang telah dik
umpulkan, dianalisis dengan \up0 \expndtw-5\charscalex100 menggunakan alat ana
lisis yang telah disiapkan, dan \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\par
\li6112\sb157\sl-276\slmult0 \up0 \expndtw-3\charscalex100 15
}
}}
}
persub\cf6\f7\fs24 BAB V : KESIMPULAN DAN SARAN \par\pard\qj \li2988\ri1488\sb2
30\sl-560\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf1\f2\fs24 Pada
bab ini merupakan bagian penting yang berisi tentang kesimpulan \up0 \expndtw0\c
harscalex100 dari analisis data dan pembahasan. Selain itu juga berisi saran-sar
an yang \up0 \expndtw0\charscalex101 direkomendasikan kepada pihak-pihak tert
entu serta mengungkapkan \up0 \expndtw-3\charscalex100 keterbatasan penelitian
ini. \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb0\sl-276\slm

l-276\slmult0 \par\pard\ql\li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb0\sl276\slmult0 \par\pard\ql\li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb159\sl276\slmult0 \up0 \expndtw-3\charscalex100 16
}
}}
}
100 \ul0\nosupersub\cf4\f5\fs29 BAB II \par\pard\ql \li4941\sb0\sl-322\slmult0 \
par\pard\ql\li4941\sb196\sl-322\slmult0 \up0 \expndtw-6\charscalex100 TELAAH PUS
TAKA \par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\
pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li226
8\sb206\sl-276\slmult0\fi0\tx2988 \up0 \expndtw0\charscalex100 \ul0\nosupersub\c
f6\f7\fs24 2.1\tab \up0 \expndtw0\charscalex100 Landasan Teori\par\pard\li2268\s
b0\sl-276\slmult0\par\pard\li2268\sb199\sl-276\slmult0\fi0 \up0 \expndtw0\charsc
alex100 2.1.1 Pengertian Perbankan\par\pard\li2268\sb0\sl-276\slmult0\par\pard
\li2268\sb183\sl-276\slmult0\fi720\tx6589\tx7623 \up0 \expndtw0\charscalex100 \u
l0\nosupersub\cf1\f2\fs24 Menurut Undang-undang Nomor\tab \up0 \expndtw0\chars
calex100 7 tahun\tab \up0 \expndtw0\charscalex100 1992 tentang Perbankan\par\
pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb4\sl-276\slmult0\fi0\tx8617\tx9
726 \up0 \expndtw0\charscalex100 sebagaimana
telah diubah dengan Undang-u
ndang nomor\tab \up0 \expndtw0\charscalex100 10 tahun\tab \up0 \expndtw0\chars
calex100 1998\par\pard\qj \li2268\ri1501\sb38\sl-555\slmult0 \up0 \expndtw0\char
scalex105 pengertian bank adalah badan usaha yang menghimpun dana dari masyaraka
t \up0 \expndtw0\charscalex102 dalam bentuk simpanan dan menyalurkannya kepada m
asyarakat dalam bentuk \up0 \expndtw0\charscalex103 kredit dan atau bentuk-bentu

k lainnya dalam rangka meningkatkan taraf hidup \up0 \expndtw-2\charscalex100 ra
kyat banyak. Sedangkan Bank Umum adalah bank yang dapat memberikan jasa \up0 \e
xpndtw-3\charscalex100 dalam lalu lintas pembayaran. \par\pard\qj \li2268\ri1499
\sb188\sl-552\slmult0\fi720 \up0 \expndtw0\charscalex102 Dalam booklet Perbankan
Indonesia tahun 2009 yang dimaksud dengan \line \up0 \expndtw0\charscalex104 pe
rbankan adalah segala sesuatu yang berkaitan dengan bank, mencakup \line
\up0 \expndtw-1\charscalex100 kelembagaan, kegiatan usaha, serta cara dan prose
s dalam melaksanakan kegiatan \line \up0 \expndtw0\charscalex105 usahanya. Perb
ankan Indonesia dalam menjalanjan fungsinya berasaskan \line \up0 \expndtw1\charscalex100 demokrasi ekonomi menggunakan prinsip kehati-hatian. Fungsi utam
a perbankan \line \up0 \expndtw0\charscalex102 Indonesia adalah sebagai pengh
impun dan penyalur dana masyarakat serta \line \up0 \expndtw0\charscalex102
bertujuan untuk menunjang pelaksanaan pembangunan nasional dalam rangka \line
\up0 \expndtw0\charscalex102 meningkatkan pemerataan pembangunan nasional dalam
rangka meningkatkan \line \up0 \expndtw0\charscalex102 taraf hidup rakyat bany
ak. Perbankan memiliki kedudukan yang strategis, yakni \par\pard\ql \li6127\sb11
5\sl-253\slmult0 \up0 \expndtw-6\charscalex100 \ul0\nosupersub\cf15\f16\fs22 17
\par\pard\sect\sectd\fs24\paperw11900\paperh16840\pard\sb0\sl-240{\bkmkstart Pg3
4}{\bkmkend Pg34}\par\pard\ql \li9987\sb0\sl-253\slmult0 \par\pard\ql\li9987\sb1
98\sl-253\slmult0 \up0 \expndtw-6\charscalex100 \ul0\nosupersub\cf15\f16\fs22 18
\par\pard\qj \li2268\sb0\sl-560\slmult0 \par\pard\qj\li2268\ri1502\sb514\sl-560
\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 sebagai penun
jang kelancaran sistem pembayaran, pelaksanaan kebijakan moneter \up0 \expndtw0\
charscalex100 dan pencapainan stabilitas keuangan, sehingga diperlukan perbankan
yang sehat, \up0 \expndtw-3\charscalex100 transparan dan dapat dipertanggungjaw
abkan. \par\pard\qj \li2268\ri1506\sb172\sl-570\slmult0\fi720 \up0 \expndtw0\cha
rscalex102 Bank adalah suatu badan usaha yang tugas utamanya sebagai lembaga \
up0 \expndtw0\charscalex102 perantara keuangan yang menyalurkan dana dari pihak
yang berkelebihan dana \up0 \expndtw-3\charscalex100 pada waktu yang ditentukan
(Dendawijaya, 2001). \par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988
\sb137\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Bank menurut kepemilikannya
dibagi menjadi (Siamat, 2001) : \par\pard\ql \li2628\ri1495\sb230\sl-560\slmult0
\tx2988 \up0 \expndtw-1\charscalex100 1.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosu
persub\cf1\f2\fs24 Bank BUMN (Badan Usaha Milik Negara) adalah bank yang seluru
h atau \line\tab \up0 \expndtw-3\charscalex100 sebagian besar sahamnya dimiliki
oleh pemerintah. \par\pard\ql \li2628\ri1487\sb185\sl-555\slmult0\tx2988\tx2988\
tx2988\tx2988 \up0 \expndtw0\charscalex101 2.\ul0\nosupersub\cf14\f15\fs24 \ul0
\nosupersub\cf1\f2\fs24 Bank Pemerintah Daerah, adalah Bank-Bank Pembangunan Da
erah yang \line\tab \up0 \expndtw0\charscalex103 pendiriannya didasarkan pada Un
dang-Undang No.13 tahun 1962 yang \line \tab \up0 \expndtw0\charscalex100 sekara
ng diubah menjadi Undang-Undang No.10 tahun 1998. BPD-BPD \line \tab \up0 \expnd
tw0\charscalex101 tersebut harus memilih dan menetapkan badan hukunya apakah men
jadi \line \tab \up0 \expndtw-3\charscalex100 Perseroan Terbatas, Koperasi atau
Perusahaan Daerah. \par\pard\ql \li2628\ri1491\sb181\sl-560\slmult0\tx2988\tx298
8 \up0 \expndtw0\charscalex100 3.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\
cf1\f2\fs24 Bank Swasta Nasional, adalah bank yang berbadan hukum Indonesia yan
g \line\tab \up0 \expndtw-1\charscalex100 sebagian atau seluruh modalnya dimilik
i oleh warga negara Indonesia dan \line \tab \up0 \expndtw-3\charscalex100 atau
badan hukum Indonesia. \par\pard\ql \li2628\ri1497\sb189\sl-550\slmult0\tx2988\t
x2988 \up0 \expndtw0\charscalex103 4.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosuper
sub\cf1\f2\fs24 Bank Asing, adalah merupakan kantor cabang dari suatu bank
diluar \line\tab \up0 \expndtw0\charscalex103 Indonesia yang saat ini hanya di
perkenankan beroperasi di Jakarta dan \line \tab \up0 \expndtw0\charscalex104 me
mbuka kantor cabang pembantu di beberapa Ibukota provinsi selain \par\pard\ql \l
arscalex100 18
}
}}
}
80\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Jakarta yait
u, Semarang, Surabaya, Bandung, Denpasar, Ujung Pandang, \up0 \expndtw-3\charsca
lex100 Medan dan Batam dan lain-lain. \par\pard\ql \li2268\sb0\sl-276\slmult0 \p
ar\pard\ql\li2268\sb136\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf6\f7\fs24 2.1.2 Kinerja Perbankan \par\pard\ql \li2988\sb0\sl-276\slmul
t0 \par\pard\ql\li2988\sb188\sl-276\slmult0\tx8817 \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf1\f2\fs24 Kamus besar Bahasa Indonesia mendefinisikan ki
nerja \tab \up0 \expndtw-2\charscalex100 (performance) \par\pard\qj \li2268\ri14
87\sb56\sl-553\slmult0 \up0 \expndtw0\charscalex103 adalah sesuatu yang dicapai
atau prestasi yang diperlihatkan . Menurut Kasmir \line \up0 \expndtw0\charscale
x100 (2003), kinerja bank merupakan ukuran keberhasilan bagi direksi bank terseb
ut, \line \up0 \expndtw0\charscalex103 sehingga apabila kinerja itu buruk maka
tidak mungkin para direksi ini akan \line \up0 \expndtw-6\charscalex100 digan
ti. \par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb161\sl-276\slmult0\fi7
20\tx8662 \up0 \expndtw0\charscalex102 Seperti diketahui bahwa fungsi bank pad
a umumnya\tab \up0 \expndtw0\charscalex102 (Tri Susilo,dkk\par\pard\li2268\sb0\
sl-276\slmult0\par\pard\li2268\sb4\sl-276\slmult0\fi0 \up0 \expndtw0\charscalex1
02 2000):\par\pard\ql \li2628\sb0\sl-276\slmult0 \par\pard\ql\li2628\sb211\sl-27
6\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf9\f10\fs24 a.\ul0\nosup
ersub\cf17\f18\fs24 \ul0\nosupersub\cf9\f10\fs24 Agent of trust \par\pard\qj \
li2988\ri1492\sb216\sl-553\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\
cf1\f2\fs24 Merupakan lembaga yang landasannya adalah kepercayaan, baik dalam \
line \up0 \expndtw0\charscalex101 menghimpun dana ataupun dalam penyaluran dana.
Masyarakat percaya \line \up0 \expndtw0\charscalex103 bahwa uangnya tidak ak
an disalahgunakan oleh bank, begitu pula \line \up0 \expndtw0\charscalex111
sebaliknya pihak bank percaya bahwa debitor
tidak akan \line \up
0 \expndtw0\charscalex103 menyalahgunakan pinjamannya dan mempunyai niat
baik untuk \line \up0 \expndtw0\charscalex100 mengembalikan pinjaman besse
rta kewajiban lainnya pada saat jatuh \line \up0 \expndtw-5\charscalex100 t
empo. \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb0\sl-276\slm
\par\pard\ql\li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb204\sl-276\slmult0
}
}}
}
\par\pard\ql\li2628\sb224\sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosup
ersub\cf9\f10\fs24 b.\ul0\nosupersub\cf17\f18\fs24 \ul0\nosupersub\cf9\f10\fs24
Agent of development \par\pard\qj \li2988\ri1487\sb236\sl-553\slmult0 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Kegiatan bank berupa menghimpu
n dan menyalurkan dana merupakan hal \line \up0 \expndtw0\charscalex102 yang sa
ngat diperlukan bagi lancarnya perekonomian di sector riil. \line \up0 \e
xpndtw0\charscalex100 Kegiatan bank tersebut memungkinkan masyarakat untuk
melakukan \line \up0 \expndtw0\charscalex105 investasi, kegiatan distribusi ser
ta kegiatan konsumsi barang dan jasa, \line \up0 \expndtw0\charscalex108 menging
at kegiatan tersebut tidak dapat dilepaskan dari adanya \line \up0 \expnd
tw0\charscalex101 penggunaan uang. Kelancaran kegiatan investasi-distribusi-kons
umsi ini \line \up0 \expndtw-3\charscalex100 tidak lain adalah kegiatan pembangu
nan perekonomian suatu masyarakat. \par\pard\ql \li2628\sb0\sl-276\slmult0 \par\
pard\ql\li2628\sb160\sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub
\cf9\f10\fs24 c.\ul0\nosupersub\cf17\f18\fs24 \ul0\nosupersub\cf9\f10\fs24 Age
nt of services \par\pard\qj \li2988\ri1499\sb238\sl-550\slmult0 \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf1\f2\fs24 Bank merupakan lembaga yang meobil
isasi dana untuk pembangunan \line \up0 \expndtw-2\charscalex100 ekonomi. Bank
memberikan jasa perbankan yang lain kepada masyarakat. \line \up0 \expndtw-1\ch
arscalex100 Jasa tersebut antara lain berupa jasa pengiriman uang, penitipan su
rat \par\pard\ql \li2988\sb257\sl-276\slmult0 \up0 \expndtw-3\charscalex100 berh
arga, pemberian jaminan bank, dan penyelesaian tagihan. \par\pard\qj \li2268\ri1
501\sb216\sl-553\slmult0\fi720 \up0 \expndtw0\charscalex104 Dari fungsi yang ada
dapat dikatakan bahwa dasar beroperasinya bank \line \up0 \expndtw0\charscalex1
06 adalah kepercayaan, baik kepercayaan bank kepada masyarakat ataupun \l
ine \up0 \expndtw0\charscalex100 sebaliknya. Oleh karena itu untuk tetap menjaga
kepercayaan tersebut kesehatan \line \up0 \expndtw0\charscalex100 bank perlu
diawasi dan dijaga \up0 \expndtw-5\charscalex100 (Januarti, \up0 \expndtw0\cha
rscalex100 2002). Kesehatan bank adalah \par\pard\qj \li2268\ri1482\sb2\sl-56
0\slmult0 \up0 \expndtw0\charscalex100 kemampuan suatu bank untuk melakukan kegi
atan operasional perbankan secara \up0 \expndtw0\charscalex102 normal dan mampu
memenuhi semua kewajibannya dengan baik melalui cara\up0 \expndtw-3\charscalex10
0 cara yang sesuai dengan peraturan yang berlaku (Susilo dkk,2000). \par\pard\ql
\li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb0\sl-276\slmult0 \par\pard\ql\

}
}}
}
persub\cf1\f2\fs24 Bank Umum mempunyai fungsi pokok sebagai berikut (Siamat, 200
5): \par\pard\ql \li2628\ri1493\sb230\sl-560\slmult0\tx2988 \up0 \expndtw0\chars
calex100 a.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Menyediak
an mekanisme dan alat pembayaran yang lebih efisien dalam \line\tab \up0 \expndt
w-4\charscalex100 kegiatan ekonomi; \par\pard\ql \li2628\sb0\sl-276\slmult0 \par
\pard\ql\li2628\sb159\sl-276\slmult0 \up0 \expndtw-3\charscalex100 b.\ul0\nosupe
rsub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Menciptakan uang; \par\pard\ql
\li2628\sb0\sl-276\slmult0 \par\pard\ql\li2628\sb188\sl-276\slmult0 \up0 \expndt
w-4\charscalex100 c.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24
Menghimpun dana dan menyalurkannya kepada masyarakat; \par\pard\ql \li2628\sb0\s
x100 d.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Menawarkan ja
sa-jasa keuangan lain . \par\pard\qj \li2268\ri1506\sb210\sl-560\slmult0\fi720 \
up0 \expndtw-2\charscalex100 Kegiatan usaha bank umum yang dapat dilakukan
oleh bank umum \up0 \expndtw0\charscalex104 menurut UU No.7 Tahun 1992 sebag
aimana telah diubah dengan UU No.10 \up0 \expndtw-5\charscalex100 Tahun 1998 ten
tang Perbankan adalah sebagai berikut (Siamat, 2005): \par\pard\ql \li2988\sb0\s
x100 a.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Menghimpun da
na dari masyarakat. \par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988\
sb228\sl-276\slmult0 \up0 \expndtw-3\charscalex100 b.\ul0\nosupersub\cf14\f15\fs
24 \ul0\nosupersub\cf1\f2\fs24 Memberikan kredit \par\pard\ql \li2988\sb0\sl-2
76\slmult0 \par\pard\ql\li2988\sb188\sl-276\slmult0 \up0 \expndtw-3\charscalex10
0 c.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Menerbitkan sura
t pengakuan hutang \par\pard\ql \li2988\ri1500\sb233\sl-556\slmult0\tx3348\tx334
8\tx3348\tx3348\tx3348\tx3348 \up0 \expndtw-3\charscalex100 d.\ul0\nosupersub\cf
14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Membeli, menjual, atau menjamin suratsurat atas risiko maupun untuk \line\tab \up0 \expndtw-2\charscalex100 kepenting
an dan atas perintah nasabahnya. Surat berharga tersebut \line \tab \up0 \ex
pndtw-4\charscalex100 antara lain surat-surat wesel (termasuk wesel yang diaksep
oleh bank), \line \tab \up0 \expndtw0\charscalex100 surat pengakuan utang, k
ertas perbendaharaan Negara dan surat \line \tab \up0 \expndtw-1\charscalex1
00 jaminan pemerintah, sertifikat Bank Indonesia (SBI), obligasi, surat \line \
tab \up0 \expndtw-5\charscalex100 dagang berjangka waktu sampai dengan 1(satu) t
ahun, instrument surat \line \tab \up0 \expndtw-5\charscalex100 berharga lain ya
ng berjangka waktu sampai dengan 1(satu) tahun. \par\pard\ql \li6112\sb0\sl-276\
slmult0 \par\pard\ql\li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb204\sl-276\
slmult0 \up0 \expndtw-3\charscalex100 21
}
}}
}
sb216\sl-276\slmult0\fi0\tx3348 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf1
\f2\fs24 e.\tab \up0 \expndtw0\charscalex102 Memindahkan uang, baik untuk
kepentingan sendiri maupun\par\pard\li2988\sb0\sl-276\slmult0\par\pard\li2988
\sb18\sl-276\slmult0\fi360 \up0 \expndtw0\charscalex102 kepentingan nasabahnya.\
par\pard\ql \li2988\ri1488\sb200\sl-570\slmult0\tx3348\tx3348\tx3348 \up0 \expnd
tw-11\charscalex90 f. \tab \up0 \expndtw0\charscalex102 Menempatkan dana pada,
meminjam dana dari, atau meminjamkan \line\tab \up0 \expndtw0\charscalex100 dana
kepada bank lain, bank dengan menggunakan surta, sarana \line \tab \up0
\expndtw-3\charscalex100 telekomunikasi, maupun dengan wesel unjuk, cek, atau s
arana lainnya. \par\pard\ql \li2988\ri1481\sb179\sl-560\slmult0\tx3348\tx3348 \u
p0 \expndtw-11\charscalex96 g. \tab \up0 \expndtw-2\charscalex100 Menerima pemba
yaran dari tagihan atas surat berharga dan melakukan \line\tab \up0 \expndtw-3\c
harscalex100 perhitungan dengan atau antara pihak ketiga. \par\pard\li2988\sb0\s
l-276\slmult0\par\pard\li2988\sb160\sl-276\slmult0\fi0\tx3348 \up0 \expndtw-1\ch
arscalex100 h.\tab \up0 \expndtw-1\charscalex100 Menyediakan tempat untuk meny
impan barang dan surat berharga.\par\pard\li2988\sb0\sl-276\slmult0\par\pard\li2
988\sb184\sl-276\slmult0\fi0\tx3348 \up0 \expndtw-1\charscalex100 i.\tab \up0 \e
xpndtw-1\charscalex100 Melakukan kegiatan penitipan untuk kepentingan p
ihak lain\par\pard\li2988\sb0\sl-276\slmult0\par\pard\li2988\sb18\sl-276\slmul
t0\fi360 \up0 \expndtw-1\charscalex100 berdasarkan suatu kontrak \ul0\nosupersub
\cf9\f10\fs24 (custodian).\par\pard\li2988\sb0\sl-276\slmult0\par\pard\li2988\sb
184\sl-276\slmult0\fi0\tx3348 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\
f2\fs24 j.\tab \up0 \expndtw-1\charscalex100 Melakukan penempatan dana dari mena

mbah kepada nasabah lainnya\par\pard\li2988\sb0\sl-276\slmult0\par\pard\li2988\s
b18\sl-276\slmult0\fi360 \up0 \expndtw-1\charscalex100 dalam bentuk surat berhar
ga yang tidak tercatat di bursa efek.\par\pard\li2988\sb0\sl-276\slmult0\par\par
d\li2988\sb184\sl-276\slmult0\fi0\tx3348 \up0 \expndtw-1\charscalex100 k.\tab \u
p0 \expndtw-1\charscalex100 Membeli melalui pelelangan agunan baik semua maupu
n sebagian\par\pard\li2988\sb0\sl-276\slmult0\par\pard\li2988\sb3\sl-276\slmult0
\fi360 \up0 \expndtw-1\charscalex100 dalam hal debitur tidak memenuhi kewajibann
ya kepada bank, dengan\par\pard\li2988\sb0\sl-276\slmult0\par\pard\li2988\sb4\sl
-276\slmult0\fi360 \up0 \expndtw-1\charscalex100 ketentuan agunan yang dibeli te
rsebut wajib dicairkan secepatnya.\par\pard\li2988\sb0\sl-276\slmult0\par\pard\l
i2988\sb183\sl-276\slmult0\fi0\tx3348\tx7059\tx8245 \up0 \expndtw-1\charscalex10
0 l.\tab \up0 \expndtw-1\charscalex100 Melakukan kegiatan anjak piutang\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf9\f10\fs24 (factoring)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 , kartu kredit, dan\par\p
ard\li2988\sb0\sl-276\slmult0\par\pard\li2988\sb18\sl-276\slmult0\fi360 \up0 \ex
pndtw-1\charscalex100 kegiatan wali amanat \ul0\nosupersub\cf9\f10\fs24 (trustee
).\par\pard\li2988\sb0\sl-276\slmult0\par\pard\li2988\sb200\sl-276\slmult0\fi0\t
x3348 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 m.\tab \up0 \exp
ndtw-1\charscalex100 Menyediakan pembiayaan dengan prinsip bagi hasil.\par\pard\
li2988\sb0\sl-276\slmult0\par\pard\li2988\sb198\sl-276\slmult0\fi0\tx3348\tx7051
\up0 \expndtw-1\charscalex100 n.\tab \up0 \expndtw-1\charscalex100 Melakukan ke
giatan lain, misalnya\tab \up0 \expndtw-1\charscalex100 : kegiatan dalam valut
a asing;\par\pard\li2988\sb265\sl-276\slmult0\fi360 \up0 \expndtw-1\charscalex1
00 melakukan penyertaan modal pada bank atau perusahaan lain di bidang\par\pard\
ql \li6112\sb276\sl-276\slmult0 \up0 \expndtw-3\charscalex100 22
}
}}
}
60\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 keuangan sep
erti : sewa guna usaha, modal ventura, perusahaan efek, \up0 \expndtw0\charscale
x100 dan asuransi; dan melakukan penyertaan modal sementara untuk \up0 \e
xpndtw-4\charscalex100 mengatasi akibat kegagalan kredit. \par\pard\ql \li2988\r
i1499\sb164\sl-580\slmult0\tx3348 \up0 \expndtw0\charscalex105 o.\ul0\nosupersub
\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Kegiatan lain yang lazim dilaku
kan oleh bank sepanjang tidak \line\tab \up0 \expndtw-3\charscalex100 berten
tangan dengan undang-undang. \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\q

l\li2268\sb136\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\
f7\fs24 2.1.3 Laporan Keuangan \par\pard\qj \li2268\ri1480\sb235\sl-554\slmult0\
fi705 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf1\f2\fs24 Secara umum setia
p perusahaan baik itu bank maupun non bank pada \up0 \expndtw0\charscalex100 s
uatu periode tertentu akan melaporkan kegiatan keuangannya. Informasi tentang \u
p0 \expndtw-1\charscalex100 proses keuangan perusahaan, kinerja perusahaan, alir
an kas dan informasi lainnya \up0 \expndtw0\charscalex103 yang berkaitan dengan
kegiatan laporan keuangan dapat diperoleh dari laporan \up0 \expndtw0\charscalex
102 keuangan perusahaan. Menurut SAC No.1, pelaporan keuangan adalah sistem \u
p0 \expndtw0\charscalex100 dan sarana penyampaian informasi tentang segala kondi
si dan kinerja perusahaan \up0 \expndtw0\charscalex100 terutama dari segi keuang
an dan tidak terbatas pada apa yang dapat disampaikan \up0 \expndtw-4\charscalex
100 melalui laporan keuangan. \par\pard\qj \li2268\ri1488\sb186\sl-554\slmult0\f
i720 \up0 \expndtw0\charscalex106 Laporan keuangan merupakan salah satu sum
ber informasi yang \line \up0 \expndtw0\charscalex107 menggambarkan secara
menyeluruh tentang kondisi dan perkembangan \line \up0 \expndtw0\charscalex1
07 perusahaan, sehingga dapat menjadi salah satu sarana menilai tingka
t \line \up0 \expndtw0\charscalex103 profesionalisme perusahaan yang bersangk
utan dalam melakukan kegiatan \line \up0 \expndtw0\charscalex100 pengusaha.
Suwardjono, 1985 dalam Sudarini (2005). Laporan keuangan ini \line \up0 \ex
pndtw0\charscalex100 menunjukkan kinerja manajemen bank selama periode ter
tentu. Keuntungan \line \up0 \expndtw0\charscalex104 dengan membaca laporan
ini yaitu pihak manajemen dapat memperbaiki \line \up0 \expndtw-3\charscale
x100 kelemahan yang ada serta mempertahankan kekuatan yang dimiliki. \par\pard\q
l \li6112\sb116\sl-276\slmult0 \up0 \expndtw-3\charscalex100 23
}
}}
}
57\slmult0\fi720 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Menuru
t SFAC No.1 FASB 1978 tujuan utama laporan keuangan adalah \line \up0 \expndtw0\
charscalex100 menyediakan informasi yang bermanfaat kepada investor, kreditor, d
an pemakai \line \up0 \expndtw0\charscalex100 laninnya baik yang sekarang maupun
yang potensial dalam pembuatan investasi, \line \up0 \expndtw0\charscalex100 kr
edit, dan keputusan sejenis secara rasional. Tujuan kedua adalah menyediakan \li
ne \up0 \expndtw0\charscalex103 informasi dalam menilai jumlah, waktu, ketidak
pastian penerimaan kas dari \line \up0 \expndtw0\charscalex100 dividen dan bu

nga di masa yang akan datang. Hal ini mengandung makna bahwa \line \up0 \expndtw
0\charscalex103 investor menginginkan informasi tentang hasil dan risiko atas
investasi yang \line \up0 \expndtw-5\charscalex100 dilakukan. \par\pard\qj \li2
268\ri1498\sb167\sl-553\slmult0\fi720 \up0 \expndtw-1\charscalex100 Laporan keua
ngan pada dasarnya adalah hasil proses akutansi yang dapat \line \up0 \expndtw0\
charscalex100 digunakan sebagai alat untuk berkomunikasi antara data keuangan at
au aktivitas \line \up0 \expndtw0\charscalex104 suatu perusahaan dengan pihak-pi
hak yang berkepentingan dengan data atau \line \up0 \expndtw0\charscalex100 ak
tivitas perusahaan tersebut. Banyak pihak yang mempunyai kepentingan untuk \line
\up0 \expndtw0\charscalex100 mengetahui lebih mendalam tentang laporan keuangan
dari bank karena masing-\line \up0 \expndtw-1\charscalex100 masing pihak mempun
yai kepentingan yang berbeda disesuaikan dengan sifat dan \line \up0 \expndtw-2\
charscalex100 kepentingan masing-masing. Menurut Munawir \up0 \expndtw-2\char
scalex100 (1992) pihak- pihak yang \par\pard\qj \li2268\ri1509\sb0\sl-580\slm
ult0 \up0 \expndtw0\charscalex105 berkepentingan terhadap posisi keuangan
maupun perkembangan suatu \up0 \expndtw-3\charscalex100 perusahaan adalah :
\par\pard\ql \li2268\ri1500\sb142\sl-560\slmult0\tx2553\tx2553\tx2553 \up0 \expn
dtw0\charscalex105 1.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24
Pemilik perusahaan, sangat berkepentingan terhadap laporan keuangan \line\
tab \up0 \expndtw-1\charscalex100 perusahaannya, karena dengan laporan tersebut
pemilik perusahaan akan dapat \line \tab \up0 \expndtw0\charscalex103 menilai s
ukses tidaknya manajer dalam memimpin perusahaannnya dan \line \tab \up0 \
expndtw-3\charscalex100 kesuksesan manajer dinilai dengan laba yang diperoleh pe
rusahaann. \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb0\sl-27
}
}}
}
25 \par\pard\ql \li2268\sb0\sl-560\slmult0 \par\pard\ql\li2268\ri1493\sb514\sl-5
60\slmult0\tx2553\tx2553\tx2553 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf1
\f2\fs24 2.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Manajer a
tau pemimpin perusahaan, dengan mengetahui posisi keuangan \line\tab \up0 \
expndtw-1\charscalex100 perusahannya periode yang baru lalu akan dapat menyusun
rencana yang lebih \line \tab \up0 \expndtw0\charscalex102 baik, memperbaiki si
stem pengawasannya dan menentukan kebijaksanaan-\line \tab \up0 \expndtw-3\cha
rscalex100 kebijaksanaan yang lebih tepat. \par\pard\ql \li2268\ri1501\sb186\sl553\slmult0\tx2553\tx2553\tx2553 \up0 \expndtw0\charscalex102 3.\ul0\nosupersub\
cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Para investor, mereka berkepentinga
n terhadap prospek keuntungan dimasa \line\tab \up0 \expndtw0\charscalex100 mend
atang dan perkembangan perusahaan selanjutnya, untuk mengetahui \line \tab
\up0 \expndtw0\charscalex104 jaminan investasinya dan untuk mengetahui kon
disi kerja atau kondisi \line \tab \up0 \expndtw-3\charscalex100 keuangan jan
gka pendek perusahaan tersebut. \par\pard\ql \li2268\ri1500\sb182\sl-560\slmult0
\tx2553\tx2553 \up0 \expndtw-1\charscalex100 4.\ul0\nosupersub\cf14\f15\fs24 \u
l0\nosupersub\cf1\f2\fs24 Para kreditur dan bankers, sebelum mengambil keputusa
n untuk memberi atau \line\tab \up0 \expndtw0\charscalex103 menolak permintaan k
redit dari suatu perusahaan, perlu mengetahui terlebih \line \tab \up0 \expndtw3\charscalex100 dahulu posisi keuangan dari perusahaan yang bersangkutan. \par\p
ard\ql \li2268\ri1482\sb180\sl-560\slmult0\tx2553\tx2553 \up0 \expndtw0\charscal
ex102 5.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Pemerintah un
tuk menentukan besarnya pajak yang harus ditanggung oleh \line\tab \up0 \exp
ndtw-2\charscalex100 perusahaan juga sangat diperlukan oleh BPS. Dinas Perindust
rian, Perdagangan \line \tab \up0 \expndtw-3\charscalex100 dan Tenaga Kerja seba
gai dasar perncanaan pemerintah. \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pa
rd\ql\li2268\sb159\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\
cf6\f7\fs24 2.1.4 Rasio Keuangan \par\pard\qj \li2268\ri1483\sb238\sl-550\slmult
0\fi720 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf1\f2\fs24 Analisis rasio
keuangan adalah metode analisis untuk mengetahui \line \up0 \expndtw0\cha
rscalex100 hubungan dari pos-pos tertentu dalam neraca atau laporan laba
rugi secara \line \up0 \expndtw-2\charscalex100 individu ataupun secara kombin
asi dari kedua laporan tersebut (Munawir,2002) \par\pard\qj \li2268\ri1490\sb210
\sl-550\slmult0 \up0 \expndtw0\charscalex100 Dengan menggunakan analisa rasio
dimungkinkan untuk dapat menentukan \up0 \expndtw0\charscalex100 tingkat ki
nerja suatu bank. Menurut Dendawijaya (2001) rasio keuangan tersebut \up0 \expnd
tw-4\charscalex100 dapat dikelompokkan menjadi : \par\pard\ql \li6112\sb0\sl-276
\slmult0 \par\pard\ql\li6112\sb1\sl-276\slmult0 \up0 \expndtw-3\charscalex100 25
}
}}
}
sb231\sl-276\slmult0\fi0\tx2988 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf

1\f2\fs24 1.\tab \up0 \expndtw-4\charscalex100 Rasio Likuiditas\par\pard\qj \li2
988\ri1513\sb231\sl-550\slmult0 \up0 \expndtw0\charscalex108 Analisis rasio li
kuiditas adalah analisis yang dilakukan terhadap \line \up0 \expndtw0\chars
calex103 kemampuan bank dalam memenuhi kewajiban-kewajiban jangka \lin
e \up0 \expndtw0\charscalex102 pendeknya atau kewajiban yang sudah jatuh t
empo. Beberapa rasio \par\pard\qj \li2988\ri1499\sb2\sl-560\slmult0 \up0 \expn
dtw0\charscalex103 likuiditas yang sering dipergunakan dalam menilai kinerja s
uatu bank \line \up0 \expndtw0\charscalex102 yaitu \ul0\nosupersub\cf9\f10\fs24
Cash Ratio, Reserve Requirement, Loan to Deposit Ratio, Loan to \line \up0 \expn
dtw-3\charscalex100 Asset Ratio,\ul0\nosupersub\cf1\f2\fs24 Rasio kewajiban ber
sih \ul0\nosupersub\cf9\f10\fs24 call money \ul0\nosupersub\cf1\f2\fs24 (Dendawi
jaya, 2001) \par\pard\ql \li2628\sb0\sl-276\slmult0 \par\pard\ql\li2628\sb139\sl
-276\slmult0\tx2988 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs24 2
. \tab \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Rasio Solvabili
tas \par\pard\qj \li2988\ri1498\sb257\sl-551\slmult0 \up0 \expndtw0\charscalex10
0 Analisis solvabilitas adalah analisis yang digunakan untuk mengukur \li
ne \up0 \expndtw0\charscalex103 kemampuan bank dalam memenuhi kewajiban jangka p
anjangnya atau \line \up0 \expndtw0\charscalex101 kemampuan bank untuk memenu
hi kewajiban-kewajiban jika terjadi \line \up0 \expndtw0\charscalex103 likuid
asi bank. Disamping iotu, rasio ini digunakan untuk mengetahui \line \up0 \ex
pndtw-1\charscalex100 perbandingan anatara volume (jumlah) dana yang diperoleh d
ari berbagai \line \up0 \expndtw-2\charscalex100 utang (jangka pendek dan jangka
panjang) serta sumber-sumber lain diluar \line \up0 \expndtw0\charscalex102 mod
el bank sendiri dengan volume penanaman dana tersebut pada \line \up0 \e
xpndtw0\charscalex103 berbagai jenis aktiva yang dimiliki bank. Beberapa r
asionya adalah \par\pard\qj \li2988\ri1486\sb0\sl-580\slmult0 \up0 \expndtw0\ch
arscalex100 \ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio (CAR), Debt to E
quity Ratio, Long Term Debt to \up0 \expndtw-3\charscalex100 Assets Ratio \ul0\n
osupersub\cf1\f2\fs24 (Dendawijaya, 2001). \par\pard\ql \li2628\sb0\sl-276\slmul
t0 \par\pard\ql\li2628\sb102\sl-276\slmult0\tx2988 \up0 \expndtw-3\charscalex100
3. \tab \up0 \expndtw-4\charscalex100 Rasio Rentabilitas \par\pard\qj \li2988\r
i1513\sb230\sl-560\slmult0 \up0 \expndtw0\charscalex102 Analisis rasio rentabi
litas bank adalah alat untuk menganalisis atau \line \up0 \expndtw-2\chars
calex100 mengukur tingkat efesiensi usaha dan profitabilitas yang dicapai oleh b
ank \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb199\sl-276\slm
ult0 \up0 \expndtw-3\charscalex100 26
}
}}
}
53\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf1\f2\fs24 yang bersang
kutan. Selain itu, rasio-rasio dalam kategori ini dapat pula \line \up0 \expndtw
0\charscalex102 digunakan untuk mengukur tingkat kesehatan bank. Dalam perhitung
an \line \up0 \expndtw0\charscalex100 rasio-rasio rentabilitas ini biasanya dica
ri hubungan timbal balik antarpos \line \up0 \expndtw0\charscalex102 yang terda
pat pada laporan laba rugi ataupun hubungan timbal balik \line \up0 \expndt
w0\charscalex100 antarpos yang terdapay pada laporan laba rugi bank dengan pos-p
os pada \line \up0 \expndtw0\charscalex101 neraca bank guna memperoleh berbagai
indikasi yang bermanfaat dalam \line \up0 \expndtw0\charscalex103 mengukur ting
kat efisiensi dan profitabilitas bank yang bersangkutan. \line \up0 \expndtw0\
charscalex100 Analisis rasio rentabilitas suatu bank pada bab ini antara lain ya
itu \ul0\nosupersub\cf9\f10\fs24 Return \line \up0 \expndtw0\charscalex102 on As
sets, Return on Equuity, Net Profit Margin, \ul0\nosupersub\cf1\f2\fs24 rasio bi
aya operasional \line \up0 \expndtw-4\charscalex100 (Dendawijaya, 2001) \par\par
d\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb180\sl-276\slmult0 \up0 \e
xpndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 2.1.5 \ul0\nosupersub\cf8\f9\
fs24 Return On Asset\ul0\nosupersub\cf6\f7\fs24 (ROA) \par\pard\ql \li2988\sb0\
sl-276\slmult0 \par\pard\ql\li2988\sb168\sl-276\slmult0\tx5076 \up0 \expndtw0\ch
arscalex104 \ul0\nosupersub\cf9\f10\fs24 Return On Assets \tab \up0 \expndtw0\
charscalex103 \ul0\nosupersub\cf1\f2\fs24 (ROA) merupakan rasio yang digunak
an untuk \par\pard\qj \li2268\ri1473\sb34\sl-555\slmult0 \up0 \expndtw0\charsca
lex100 mengukur kemampuan manajemen bank dalam memperoleh profitabilitas dan \l
ine \up0 \expndtw0\charscalex100 mengelola tingkat efisiensi usaha bank secara k
eseluruhan. Semakin besar nilai \line \up0 \expndtw0\charscalex102 rasio ini men
unjukkan tingkat rentabilitas usaha bank semakin baik atau sehat \line \up0 \exp
ndtw-4\charscalex100 (Mahrinasari, \up0 \expndtw-2\charscalex100 2003). Sedangk
an menurut Bank Indonesia, \ul0\nosupersub\cf9\f10\fs24 Return On Assets \
line \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (ROA) merupakan p
erbandingan antara laba sebelum pajak dengan rata-rata total \line \up0 \expndtw
0\charscalex102 asset dalam suatu periode. Rasio ini dapat dijadikan sebagai uku
ran kesehatan \line \up0 \expndtw0\charscalex100 keuangan. Rasio ini sangat pent
ing, mengingat keuntungan yang diperoleh dari \line \up0 \expndtw-1\charscalex10
0 penggunaan aset dapat mencerminkan tingkat efisiensi usaha suatu bank. Dalam \
line \up0 \expndtw0\charscalex100 kerangka penilaian kesehatan bank, BI akan mem
berikan score maksimal 100 \line \up0 \expndtw-3\charscalex100 (sehat) apabila
bank memiliki ROA > 1,5% (Hasibuan, 2001:100). \par\pard\ql \li6112\sb0\sl-276\s
lmult0 \par\pard\ql\li6112\sb240\sl-276\slmult0 \up0 \expndtw-3\charscalex100 27
}
}}

}
57\slmult0\fi720 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf1\f2\fs24 Semaki
n besar \ul0\nosupersub\cf9\f10\fs24 Return On Assets\ul0\nosupersub\cf1\f2\fs24
(ROA) suatu bank, semakin besar pula \line \up0 \expndtw-1\charscalex100 tingk
at keuntungan yang dicapai bank tersebut dan semakin baik pula posisi bank \line
\up0 \expndtw0\charscalex102 tersebut dari segi penggunaan asset. Total a
sset biasanya digunakan untuk \line \up0 \expndtw0\charscalex102 mengukur ROA
sebuah bank adalah jumlah aset-aset produktif yang terdiri dari \line \up0 \exp
ndtw0\charscalex100 penempatan surat-surat berharga seperti sertifikat Bank Indo
nesia, surat berharga \line \up0 \expndtw0\charscalex104 pasar uang, penempatan
dalam saham perusahaan lain, penempatan pada call \line \up0 \expndtw0\charscal
ex102 money atau money market dan penempatan dalam bentuk kredit (Dendawijaya, \
line \up0 \expndtw-4\charscalex100 2001). \par\pard\ql \li2268\sb0\sl-276\slmult
supersub\cf6\f7\fs24 2.1.6 \ul0\nosupersub\cf8\f9\fs24 Capital Adequancy Ratio\u
l0\nosupersub\cf6\f7\fs24 (CAR) \par\pard\qj \li2268\ri1482\sb234\sl-555\slmult
0\fi720 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Capital Adequ
acy Ratio\ul0\nosupersub\cf1\f2\fs24 merupakan rasio permodalan yang menunjukka
n \up0 \expndtw-2\charscalex100 kemampuan bank dalam menyediakan dana untuk kepe
rluan pengembangan usaha \up0 \expndtw0\charscalex104 serta menampung kemungki
nan risiko kerugian yang diakibatkan dalam \up0 \expndtw0\charscalex100 ope
rasional bank. Semakin besar rasio tersebut akan semakin baik posisi modal \up0
\expndtw-3\charscalex100 (Achmad dan Kusuno,2003) \par\pard\qj \li2268\ri1500\sb
189\sl-551\slmult0\fi720 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf9\f10\f
s24 Capital Adequacy Ratio \ul0\nosupersub\cf1\f2\fs24 adalah kecukupan modal
yang menunjukkan \line \up0 \expndtw0\charscalex103 kemampuan bank dalam
mempertahankan modal yang mencukupi dan \line \up0 \expndtw-1\charscalex100
kemampuan manajemen bank dalam mengidentifikasi, mengukur, mengawasi, \line
\up0 \expndtw0\charscalex100 dan mengontrol risiko-risiko yang timbul yang
dapat berpengaruh terhadap \line \up0 \expndtw0\charscalex100 besarnya modal.
Perhitungan \ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio \ul0\nosupersub
\cf1\f2\fs24 didasarkan pada prinsip \line \up0 \expndtw-3\charscalex100 bahwa s
etiap penanaman yang mengandung risiko harus disediakan jumlah modal \line \up0
\expndtw-3\charscalex100 sebesar presentase tertentu terhadap jumlah penanamanny
a. Menurut Dendawijay \line \up0 \expndtw-3\charscalex100 (2003) sejalan dengan
standar yang ditetapkan Bank for International Settlement \par\pard\ql \li6112\s
b0\sl-276\slmult0 \par\pard\ql\li6112\sb61\sl-276\slmult0 \up0 \expndtw-3\charsc
alex100 28
}
}}
}
60\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (BIS), bank
Indonesia mewajibkan setiap bank menyediakan modal minimal 8% \line \up0 \expndt
w-1\charscalex100 dari aktiva tertimbang menurut risiko (ATMR) (SE BI Nomer 26/5
/BPPP tanggal \line \up0 \expndtw0\charscalex102 29 Mei 1993). Namun sejak akhir
tahun 1997 CAR yang harus dicapai minimal \line \up0 \expndtw-4\charscalex100 9
%. \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb159\sl-276\slmu
lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 2.1.7 \ul0\nosupe
rsub\cf8\f9\fs24 Non Performing Loan\ul0\nosupersub\cf6\f7\fs24 (NPL) \par\pard
\qj \li2268\ri1511\sb246\sl-540\slmult0\fi720 \up0 \expndtw0\charscalex100 \ul0\
nosupersub\cf1\f2\fs24 Menurut peraturan bank Indonesia nomer 5 tahun 2003, r
isiko adalah \line \up0 \expndtw-3\charscalex100 potensi terjadinya peristiwa
\up0 \expndtw-1\charscalex100 (event) yang dapat menimbulkan kerugian. Oleh \
par\pard\qj \li2268\ri1513\sb0\sl-560\slmult0 \up0 \expndtw0\charscalex105 karen
a situasi lingkungan eksternal dan internal perbankan mengalami \line \u
p0 \expndtw0\charscalex100 perkembangan pesat peraturan Bank Indonesia tersebut,
salah satu risiko usaha \line \up0 \expndtw0\charscalex100 bank adalah risiko k
redit, yang didefinisikan : risiko yang timbul sebagai akibat \line \up0 \expndt
w-1\charscalex100 kegagalan \ul0\nosupersub\cf9\f10\fs24 counterparty\ul0\nosupe
rsub\cf1\f2\fs24 memenuhi kewajiban. Menurut Susilo, et al. \up0 \expndtw-4\
charscalex100 (1999), \par\pard\qj \li2268\ri1500\sb0\sl-556\slmult0 \up0 \expnd
tw-3\charscalex100 credit risk adalah risiko yang diahadapi bank karena menyalur
kan dananya dalam \line \up0 \expndtw-2\charscalex100 bentuk pinjaman terhadap m
asyarakat. Adanya berbagai sebab, membuat debitur \line \up0 \expndtw0\charscale
x100 mungkin saja menjadi tidak memenuhi kewajibannya kepada bank sepert
i \line \up0 \expndtw0\charscalex104 pembayaran pokok pinjaman, pemabayaran
bunga dan lain-lain. Tidak \line \up0 \expndtw-1\charscalex100 terpenuhinya
kewajiban nasabah kepada bank menyebabkan kerugian dengan \line \up0 \expnd
tw-3\charscalex100 tidak diterimanya penerimaan yang sebelumnya sudah diperkirak
an. \par\pard\qj \li2268\ri1487\sb153\sl-555\slmult0\fi720 \up0 \expndtw-2\chars
calex100 Manajemen piutang merupakan hal yang sangat penting bagi perusahaan \li
ne \up0 \expndtw0\charscalex100 yang operasinya memberikan kredit, karena s
emakin
besar piutang yang \line \up0 \expndtw-1\charscalex100 diberikan ma
ka semakin besar pula resikonya (Bambang, 1991). Oleh karena itu \line \up0 \exp
ndtw0\charscalex100 perlu diantisipasi kemungkinan risiko yang timbul dalam me n
njalankan usaha \line \up0 \expndtw-4\charscalex100 perbankan. \par\pard\ql \li6
112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb40\sl-276\slmult0 \up0 \expndtw-3\c
harscalex100 29
}

}}
}
60\slmult0\fi720 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Rasio
keuangan yang digunakan sebagai proksi terhadap nilai suatu risiko \line \up0 \
expndtw-2\charscalex100 kredit adalah \ul0\nosupersub\cf9\f10\fs24 Non Perfor
ming Loan \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (NPL). Ras
io ini menunjukkan bahwa \par\pard\qj \li2268\ri1500\sb17\sl-540\slmult0 \up0
\expndtw-1\charscalex100 kemampuan manajemen bank dalam mengelola kredit bermas
alah yang diberikan \line \up0 \expndtw-2\charscalex100 oleh bank (Herdiningtya
s,2005). \ul0\nosupersub\cf9\f10\fs24 Non Performing Loan \up0 \expndtw-4\cha
rscalex100 \ul0\nosupersub\cf1\f2\fs24 (NPL) mencerminkan \par\pard\qj \li2268\
ri1499\sb0\sl-570\slmult0 \up0 \expndtw0\charscalex103 risiko kredit, semakin ke
cil \ul0\nosupersub\cf9\f10\fs24 Non Performing Loan\ul0\nosupersub\cf1\f2\fs24
(NPL), maka semakin kecil \up0 \expndtw-2\charscalex100 pula risiko kredit yan
g ditanggung oleh pihak bank. Agar nilai bank terhadap rasio \up0 \expndtw-3\cha
rscalex100 ini baik Bank Indonesia menetapkan kriteria rasio NPL net dibawah 5%.
\par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb113\sl-276\slmult
0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf6\f7\fs24 2.1.8 BOPO \par\pard
\qj \li2268\ri1509\sb238\sl-550\slmult0\fi720 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf1\f2\fs24 Rasio Biaya Operasional terhadap Pendapatan Operasional
(BOPO) sering \line \up0 \expndtw0\charscalex100 disebut rasio efisiensi yang di
gunakan untuk mengukur kemampuan manajemen \line \up0 \expndtw0\charscalex102 ba
nk dalam mengendalikan biaya operasional terhadap pendapatan operasional \line \
up0 \expndtw0\charscalex104 (Dahlan Siamat, 2001). Semakin kecil rasio ini ber
arti semakin efisien biaya \line \up0 \expndtw0\charscalex104 operasional yang
dikeluarkan bank yang bersangkutan \up0 \expndtw0\charscalex104 (Almili
a dan \par\pard\qj \li2268\ri1500\sb6\sl-556\slmult0 \up0 \expndtw0\charscalex
102 Herdiningtyas, 2005). Keberhasilan bank didasarkan pada penilaian kuantita
tif \line \up0 \expndtw0\charscalex104 terhadap rentabilitas bank dapat diuk
ur dengan menggunakan rasio biaya \line \up0 \expndtw0\charscalex100 operasi
onal terhadap pendapatan operasional ( Kuncoro dan Suhardjono, 2002). \line \up0
\expndtw0\charscalex103 Hal ini disebabkan setiap peningkatan operasi akan bera
kbiat pada menurunya \line \up0 \expndtw-1\charscalex100 laba sebelum pajak dan
akhirnya akan menurunkan laba atau profitabilitas (ROA) \line \up0 \expndtw0\cha
rscalex102 bank yang bersangkutan. Menurut Dendawijaya (2001) berdasarkan kete
ntuan \line \up0 \expndtw-3\charscalex100 Bank Indonesia besarnya BOPO yang norm
al berkisar antara 94%-96%. \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql

}
}}
}
persub\cf6\f7\fs24 2.1.9 \ul0\nosupersub\cf8\f9\fs24 Net Interest Margin\ul0\nos
upersub\cf6\f7\fs24 (NIM) \par\pard\qj \li2268\ri1481\sb233\sl-556\slmult0\fi72
0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Mengingat kegiatan
utama perbakan pada prinsipnya adalah bertindak \up0 \expndtw0\charscalex100
sebagai perantara, yaitu menghimpun dan menyalurkan dana masyarakat maka \up0 \e
xpndtw0\charscalex100 biaya dan pendapatan operasional bank didominasi oleh biay
a dan hasil bunga \up0 \expndtw-3\charscalex100 (Dendawijaya, 2003) . NIM diguna
kan untuk mengukur kemampuan manajemen \up0 \expndtw-2\charscalex100 bank dalam
mengelola aktiva proeduktifnya untuk menghasilkan pendapatan \up0 \expndt
w-3\charscalex100 bunga bersih (Herdaningtyas, 2005). \par\pard\qj \li2268\ri150
0\sb168\sl-552\slmult0\fi720 \up0 \expndtw-1\charscalex100 NIM merupakan rasio a
ntara pendapatan bunga terhadap rata-rata aktiva \line \up0 \expndtw0\charscalex
102 produktif. Pendapatan diperoleh dari bunga yang diterima dari pinjaman yang
\line \up0 \expndtw0\charscalex102 diberikan dikurangi dengan biaya bunga dari
sumber dana yang dikumpulkan. \line \up0 \expndtw0\charscalex100 NIM mencerminka
n risiko pasar yang timbul akibat berubahnya kondisi pasar, \line \up0 \expndtw0
\charscalex100 dimana hal tersebut dapat merugikan bank (Hasibuan, 2007). NIM
suatu bank \line \up0 \expndtw-1\charscalex100 dikatakan sehat bila memiliki N
IM diatas \up0 \expndtw-3\charscalex100 2% (Muljono,1999). Untuk dapat \par\
pard\qj \li2268\ri1484\sb6\sl-555\slmult0 \up0 \expndtw-3\charscalex100 meningka
tkan perolehan NIM maka perlu menekan biaya dana, biaya dana adalah \up0 \expndt
w0\charscalex100 bunga yang dibayarkan oleh bank kepada masing-masing sumber
dana yang \up0 \expndtw-1\charscalex100 bersangkutan. Secara keseluruhan, biay
a yang harus dikeluarkan oleh bank akan \up0 \expndtw0\charscalex100 menentukan
berapa prosen bank harus menetapkan tingkat bunga kredit yang \up0 \expndtw-1\
charscalex100 diberikan kepada nasabahnya untuk memperoleh pendapatan netto bank
. Dalam \up0 \expndtw0\charscalex103 hal ini tingkat suku bunga menentukan NIM.
Semakin besar rasio ini maka \line \up0 \expndtw0\charscalex100 meningkatnya
pendapatan bunga atas aktiva produktif yang dikelola bank \line \up0 \ex
pndtw0\charscalex100 sehingga kemungkinan bank dalam kondisi bermasalah semakin
kecil ( Almilia \line \up0 \expndtw-4\charscalex100 dan Herdiningtyas, 2005). \p
ar\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb240\sl-276\slmult0 \
up0 \expndtw-3\charscalex100 31

}
}}
}
persub\cf6\f7\fs24 2.1.10 \ul0\nosupersub\cf8\f9\fs24 Loan to Deposit Ratio \ul0
\nosupersub\cf6\f7\fs24 (LDR) \par\pard\qj \li2268\ri1492\sb233\sl-556\slmult0\f
i720 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Pengelolaan liku
iditas merupakan salah satu masalah yang kompleks \line \up0 \expndtw0\cha
rscalex102 dalam kegiatan operasional bank, hal tersebut dikarenakan dana yang d
ikelola \line \up0 \expndtw-4\charscalex100 bank sebagian besar adalah dana dari
masyarakat yang sifatnya jangka pendek dan \line \up0 \expndtw0\charscalex100 d
apat ditarik sewaktu-waktu. Likuiditas suatu bank berarti bahwa bank tersebut \l
ine \up0 \expndtw0\charscalex100 memiliki sumber dana yang cukup tersedia untuk
memenuhi semua kewajiban \line \up0 \expndtw-4\charscalex100 (Siamat, 2005). \p
ar\pard\qj \li2268\ri1503\sb166\sl-554\slmult0\fi720 \up0 \expndtw0\charscalex10
3 Pada umumnya aktivitas suatu bank diarahkan pada usaha untuk \line \up
0 \expndtw-1\charscalex100 meningkatkan pendapatan dengan meminimalkan risiko.
Secara konvensional \line \up0 \expndtw-3\charscalex100 banyak bank mengutama
kan aktivitas perkreditan sebagai sarana mencapai tujuan \line \up0 \expndtw-1\c
harscalex100 tersebut, namun ternyata banyak bank yang mengalami kepailitan
karenanya. \line \up0 \expndtw0\charscalex102 Aktivitas perkreditan dapat mendom
inasi penggunaan dana suatu bank karena \line \up0 \expndtw-2\charscalex100 perk
reditan mempengaruhi aktivitas bank, penilaian atas tingkat kesehatan bank, \lin
e \up0 \expndtw0\charscalex100 tingkat kepercayaan nasabah serta tingkat pencapa
ian laba. Permasalahan yang \line \up0 \expndtw0\charscalex100 sering timbul dal
am penanaman dana di bidang perkreditan akan menyangkut : \line \up0 \expndtw-2\
charscalex100 besarnya dana yang dapat digunakan (\ul0\nosupersub\cf9\f10\fs24 s
ensitive\ul0\nosupersub\cf1\f2\fs24 atau tidak), pengaturan komposisi \line \up
0 \expndtw-1\charscalex100 jenis kredit (pihak luar, pihak dalam, dijamin atau t
idak), komposisi berdasarkan \line \up0 \expndtw-2\charscalex100 jatuh temponya
\up0 \expndtw-2\charscalex100 (pendek, menengah atau panjang), penyiapan s
umber dana \par\pard\ql \li2268\sb216\sl-276\slmult0\tx8711 \up0 \expndtw0\char
scalex101 manusia dalam \ul0\nosupersub\cf9\f10\fs24 Assets Liability Man
agement Commitee \tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs2
4 (ALCO) yang \par\pard\qj \li2268\ri1485\sb50\sl-560\slmult0 \up0 \expndtw0\c
harscalex100 menampung kebersamaan proses manajemen untuk mencapai level tinggi
serta \up0 \expndtw-1\charscalex100 pola\ul0\nosupersub\cf9\f10\fs24 \ul0\nosup
ersub\cf1\f2\fs24 yang stabil dalam pertumbuhan \ul0\nosupersub\cf9\f10\fs24 NIM
, ROA,ROE, ROI \ul0\nosupersub\cf1\f2\fs24 (Imam R.1999 dalam \up0 \expndtw-4\ch

arscalex100 Januarti, 2002). \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\q
l\li6112\sb239\sl-276\slmult0 \up0 \expndtw-3\charscalex100 32
}
}}
}
54\slmult0\fi720 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Menur
ut Dendawijaya, Lukman (2001) \ul0\nosupersub\cf9\f10\fs24 Loan to Deposit
Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) \line \up0 \expndtw-1\charscalex100 me
nyatakan seberapa jauh kemampuan bank dalam membayar kembali penarikan \line \up
0 \expndtw0\charscalex102 dana yang dilakukan deposan dengan mengandalkan
kredit yang diberikan \line \up0 \expndtw0\charscalex100 sebagai sumber likuid
itasnya. Dengan kata lain, seberapa jauh pemberian kredit \line \up0 \expndtw0\c
harscalex104 kepada nasabah, kredit dapat mengimbangi kewajiban bank untu
k segera \line \up0 \expndtw0\charscalex100 memenuhi permintaan deposan yang in
gin menarik kembali uangnya yang telah \line \up0 \expndtw0\charscalex102 diguna
kan oleh bank untuk memberikan kredit. Rasio ini juga merupakan \line \
up0 \expndtw0\charscalex105 indikator kerawanan dan kemampuan dari suatu b
ank. Sebagian praktisi \line \up0 \expndtw0\charscalex102 perbankan menyepakat
i bahwa batas aman dari loan to deposit rasio suatu bank \line \up0 \expndtw0\ch
arscalex104 adalah sekitar 80%. Namun, batas toleransi berkisar antara 85% sampa
i 100% \line \up0 \expndtw-4\charscalex100 (Dendawijaya, 2001). \par\pard\ql \li
2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb160\sl-276\slmult0 \up0 \expndtw-4
\charscalex100 \ul0\nosupersub\cf6\f7\fs24 2.2 Penelitian Terdahulu \par\pard\q
j \li2268\ri1497\sb210\sl-560\slmult0\fi720 \up0 \expndtw0\charscalex103 \ul0\no
supersub\cf1\f2\fs24 Beberapa peneliti telah melakukan penelitian tentang pengar
uh \ul0\nosupersub\cf9\f10\fs24 Capital \line \up0 \expndtw-2\charscalex100 Adeq
uacy Ratio \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (CAR), \ul0
\nosupersub\cf9\f10\fs24 Non Performing Loan \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf1\f2\fs24 (NPL), BOPO, \ul0\nosupersub\cf9\f10\fs24 Net Inter
est \par\pard\qj \li2268\ri1486\sb0\sl-560\slmult0 \up0 \expndtw0\charscalex105
Margin\ul0\nosupersub\cf1\f2\fs24 (NIM) dan \ul0\nosupersub\cf9\f10\fs24 Loan
to Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) terhadap \ul0\nosupersub\cf9
\f10\fs24 Return On Assets \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\f
s24 (ROA). Hasil dari beberapa peneliti akan digunakan sebagai bahan referensi d
an \up0 \expndtw-2\charscalex100 perbandingan dalam penelitian ini, antara lain
adalah sebagai berikut : \par\pard\qj \li2268\ri1500\sb189\sl-550\slmult0\fi720

\up0 \expndtw-2\charscalex100 Zainuddin dan Hartono (1999) dalam penelitianny
a menguji pengaruh \line \up0 \expndtw0\charscalex102 CAR, NPL, ROA dan LDR dal
am memprediksi laba pada industri perbankan \line \up0 \expndtw0\charscalex100 y
ang listed di BEJ dengan menggunakan analisis regresi berganda dan AMOS, \line \
up0 \expndtw-3\charscalex100 dimana hasil penelitiannya menunjukkan bahwa keempa
t variabel tersebut (CAR, \line \up0 \expndtw-3\charscalex100 NPL, ROA dan LDR)
mampu memprediksi perubahan laba satu tahun mendatang \par\pard\ql \li6112\sb0\s
100 33
}
}}
}
80\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 sementara pa
da perubahan laba dua tahun mendatang, keempat variabel tersebut \up0 \expndtw-4
\charscalex100 tidak berpengaruh signifikan. \par\pard\ql \li2988\sb0\sl-276\slm
ult0 \par\pard\ql\li2988\sb116\sl-276\slmult0\tx4623 \up0 \expndtw-4\charscalex1
00 Werdaningtyas \tab \up0 \expndtw0\charscalex104 (2002), meniliti tentang f
aktor yang mempengaruhi \par\pard\qj \li2268\ri1490\sb52\sl-557\slmult0 \up0 \
expndtw-1\charscalex100 profitabilitas bank \ul0\nosupersub\cf9\f10\fs24 take ov
er pramerger\ul0\nosupersub\cf1\f2\fs24 di Indonesia. Dalam penelitiannya, fakt
or \line \up0 \expndtw0\charscalex100 yang mempengaruhi profitabilitas adalah pa
ngsa pasar, CAR, dan LDR, dimana \line \up0 \expndtw0\charscalex105 pangsa pasar
dibagi menjadi tiga komponen yaitu pangsa pasar asset, pangsa \line \up0 \expnd
tw0\charscalex104 dana, dan pangsa kredit. Metode penelitian yang digunakan adal
ah persamaan \line \up0 \expndtw0\charscalex103 regresi linier berganda. Hasi
l dari penelitian ini adalah pangsa pasar tidak \line \up0 \expndtw0\charsc
alex105 berpengaruh terhadap profitabilitas, sedangkan variabel CAR mempun
yai \line \up0 \expndtw0\charscalex103 pengaruh positif terhadap profitabilitas
dan LDR berpengaruh negatif terhadap \line \up0 \expndtw-4\charscalex100 profita
bilitas. \par\pard\qj \li2268\ri1489\sb165\sl-555\slmult0\fi720 \up0 \expndtw0\c
harscalex101 Bahtiar Usman (2003)
menunjukkan pengaruh rasio keuangan dalam
\line \up0 \expndtw0\charscalex104 mempredikai perubahan laba pada bank-bank di
Indonesia, dimana rasio-rasio \line \up0 \expndtw0\charscalex100 yang digunakan
adalah : \ul0\nosupersub\cf9\f10\fs24 Quick Ratio, Loan to Deposit Ratio\ul0\no
supersub\cf1\f2\fs24 (LDR), \ul0\nosupersub\cf9\f10\fs24 Gross Profit \line \up
0 \expndtw0\charscalex102 Margin\ul0\nosupersub\cf1\f2\fs24 (GPM), \ul0\nosupe

rsub\cf9\f10\fs24 Net Profit Margin\ul0\nosupersub\cf1\f2\fs24 (NPM), \ul0\nos
upersub\cf9\f10\fs24 Net Interest Margin\ul0\nosupersub\cf1\f2\fs24 (NIM), Bia
ya \line \up0 \expndtw0\charscalex100 Operasi terhadap Pendapatan Operasi (BOPO)
, \ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio\ul0\nosupersub\cf1\f2\fs24
(CAR), \line \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Leverag
e Multipler\ul0\nosupersub\cf1\f2\fs24 , \ul0\nosupersub\cf9\f10\fs24 Non Perfor
ming L\ul0\nosupersub\cf1\f2\fs24 oan (NPL) dan \ul0\nosupersub\cf9\f10\fs24 Dep
osit Risk ratio\ul0\nosupersub\cf1\f2\fs24 (DRR). \line \up0 \expndtw0\charscal
ex103 Hasil penelitiannya menunjukkan bahwa semua variabel independen tid
ak \line \up0 \expndtw-1\charscalex100 menunjukkan pengaruh yang signifikan terh
adap laba bank satu tahun mendatang \line \up0 \expndtw-4\charscalex100 kecuali
quick ratio. \par\pard\qj \li2268\ri1510\sb198\sl-540\slmult0\fi720 \up0 \expndt
w-3\charscalex100 Sudarini (2005) mengenai penggunaan rasio keuangan dalam mempr
ediksi \line \up0 \expndtw-2\charscalex100 laba pada masa yang akan datang (Stud
i Kasus di Perusahaan Perbankan yang \par\pard\ql \li6112\sb0\sl-276\slmult0 \pa
r\pard\ql\li6112\sb63\sl-276\slmult0 \up0 \expndtw-3\charscalex100 34
}
}}
}
80\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Terdaftar d
i Bursa Efek Jakarta) menemukan bahwa NIM dan BOPO berpengaruh \up0 \expndtw-3\c
harscalex100 terhadap perubahan laba tahun depan. \par\pard\qj \li2268\ri1481\sb
159\sl-557\slmult0\fi720 \up0 \expndtw-2\charscalex100 Mawardi (2005) dalam pene
litiannya yang berjudul Analisis Faktor-Faktor \up0 \expndtw0\charscalex101 yang
Mempengaruhi Kinerja Keuangan Bank Umum di Indonesia (Studi Kasus \up0 \expndtw
0\charscalex103 Pada Bank Umum dengan Total Assets Kurang dari 1Triliun). Hasil
penelitian \up0 \expndtw-2\charscalex100 menunjukkan keempat variable CAR,NPL,BO
PO serta NIM secara bersama-sama \up0 \expndtw0\charscalex101 mempengaruhi kiner
ja bank umum. Untuk variable CAR dan NIM mempunyai \up0 \expndtw-1\charscalex100
pengaruh positif terhadap ROA, sedangkan variable BOPO dan NPL, mempunyai \up0
\expndtw0\charscalex108 pengaruh negative terhadap ROA. Dari keempat varia
ble, yang paling \up0 \expndtw-3\charscalex100 berpengaruh terhadap ROA adalah
variable NIM. \par\pard\qj \li2268\ri1492\sb184\sl-556\slmult0\fi720 \up0 \expn
dtw-1\charscalex100 Almalia (2005) meneliti tentang faktor-faktor yang mempengar
uhi kondisi \line \up0 \expndtw0\charscalex100 kebangkrytan bank dan kesulitan k
euangan perusahaan. Variabel yang digunakan \line \up0 \expndtw0\charscalex100 d

alam penelitian ini adalah CAR, APB, NPL, PPAPAP, ROA, NIM dan BOPO. \line \up0
\expndtw0\charscalex100 Metode penelitian yang digunakan adala persamaan r
egresi linier berganda. \line \up0 \expndtw0\charscalex101 Hasilnya menunjukk
an bahwa CAR dan BOPO signifikan untuk memprediksi \line \up0 \expndtw-2\charsc
alex100 kondisi kebangkrutan bank dan kesulitan keuangan pada sektor perbankan.
\par\pard\qj \li2268\ri1480\sb164\sl-556\slmult0\fi720 \up0 \expndtw-2\charscale
x100 Merkusiwati (2007) meneliti tentang evaluasi pengaruh CAMEL terhadap \up0 \
expndtw0\charscalex102 kinerja perusahaan. Variabel yang digunakan dalam penelit
ian ini adalah CAR, \up0 \expndtw0\charscalex101 RORA, NPM, ROA, LDR. Metode pen
elitian yang digunakan adalah persaman \up0 \expndtw0\charscalex100 regresi lini
er berganda. Hasil penelitian menunjukkan bahwa rasio CAMEL pada \up0 \expndtw0\
charscalex104 tahun 1996-2000, 1999 dan 2000 berpengaruh positif dan signifikan
terhadap \up0 \expndtw-3\charscalex100 ROA, tahun 1997 tidak berpengaruh signif
ikan terhadap ROA. \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\s
b40\sl-276\slmult0 \up0 \expndtw-3\charscalex100 35
}
}}
}
60\slmult0\fi720 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Meydia
nawathi (2007) menganalisis tentang perilaku penawaran kredit \line \up0 \exp
ndtw0\charscalex100 perbankan kepada sektor UMKM di Indonesia \up0 \expndtw
0\charscalex100 (2002-2006). Variabel yang \par\pard\qj \li2268\ri1500\sb4\sl556\slmult0 \up0 \expndtw0\charscalex100 digunakan dalam penelitian ini adalah P
enawaran kedit, DPK, CAR, ROA, NPL. \line \up0 \expndtw0\charscalex104 Metode p
enelitian yang digunakan adalah persamaan regresi linier berganda. \line \up0 \
expndtw0\charscalex104 Hasil penelitian menunjukkan bahwa CAR berpengaruh positi
f dan signifikan \line \up0 \expndtw0\charscalex100 terhadap penawaran kredit in
vestasi modal kerja bank umum. NPL berpengaruh \line \up0 \expndtw0\charscalex10
3 negatif dan signifikan terhadap penawaran kredit investasi modal kerja bank
\line \up0 \expndtw-5\charscalex100 umum. \par\pard\qj \li2268\ri1504\sb145\sl580\slmult0\fi720 \up0 \expndtw0\charscalex102 Secara ringkas, hasil peneliti
an dari peneliti-peneliti terdahulu dapat \up0 \expndtw-3\charscalex100 disa
jikan dalam Tabel 2.1 berikut ini: \par\pard\ql \li5767\sb0\sl-276\slmult0 \par
\pard\ql\li5767\sb136\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf6\f7\fs24 Tabel 2.1 \par\pard\ql \li4580\sb204\sl-276\slmult0 \up0 \expndtw
-3\charscalex100 Ringkasan Penilitian Terdahulu \par\pard\li2523\sb0\sl-218\slmu

lt0\par\pard\li2523\sb0\sl-218\slmult0\par\pard\li2523\sb0\sl-218\slmult0\par\pa
rd\li2523\sb51\sl-218\slmult0\fi0\tx3920\tx5256\tx6728\tx8455 \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf18\f19\fs19 Peneliti\tab \up0 \expndtw-1\charscale
x100 Judul\tab \up0 \expndtw-1\charscalex100 Variabel\tab \up0 \expndtw-1\charsc
alex100 Model\tab \up0 \expndtw-1\charscalex100 Kesimpulan\par\pard\li2373\sb38\
sl-218\slmult0\fi2823\tx6653 \up0 \expndtw0\charscalex100 Penelitian\tab \up0 \e
xpndtw0\charscalex100 Analisis\par\pard\li2373\sb0\sl-218\slmult0\par\pard\li237
3\sb44\sl-218\slmult0\fi0\tx3514\tx4986\tx6427\tx7779\tx9295 \up0 \expndtw0\char
scalex100 Zainuddin\tab \up0 \expndtw0\charscalex100 Manfaat rasio-\tab \up0 \e
xpndtw0\charscalex100 CAR,
NPL,\tab \up0 \expndtw0\charscalex100 Regresi lin
ier\tab \up0 \expndtw0\charscalex100 Hasil\tab \up0 \expndtw0\charscalex100 pene
litian\par\pard\li2373\sb52\sl-218\slmult0\fi0\tx3514\tx4986\tx6427\tx7779\tx956
3 \up0 \expndtw0\charscalex100 dan\tab \up0 \expndtw0\charscalex100 rasio keaun
gan\tab \up0 \expndtw0\charscalex100 ROA dan LDR\tab \up0 \expndtw0\charscalex10
0 berganda\tab \up0 \expndtw0\charscalex100 menunjukkan\tab \up0 \expndtw0\chars
calex100 bahwa\par\pard\li2373\sb38\sl-218\slmult0\fi0\tx3514\tx7779 \up0 \expnd
tw0\charscalex100 Hartono\tab \up0 \expndtw0\charscalex100 dalam\tab \up0 \expnd
tw0\charscalex100 perubahan rasio keuangan\par\pard\li2373\sb52\sl-218\slmul
t0\fi0\tx3514\tx7779\tx9370 \up0 \expndtw0\charscalex100 (1999)\tab \up0 \expndt
w0\charscalex100 memprediksi\tab \up0 \expndtw0\charscalex100 secara\tab \up0 \e
xpndtw0\charscalex100 construct\par\pard\li2373\sb37\sl-218\slmult0\fi1141\tx777
9\tx9627 \up0 \expndtw0\charscalex101 pertumbuhan\tab \up0 \expndtw0\charscalex1
01 berpengaruh\tab \up0 \expndtw0\charscalex101 dalam\par\pard\li2373\sb52\sl-21
8\slmult0\fi1141\tx4084\tx4369\tx7779\tx9248 \up0 \expndtw0\charscalex101 laba\t
ab \up0 \expndtw0\charscalex101 :\tab \up0 \expndtw0\charscalex101 studi\tab \up
0 \expndtw0\charscalex101 memprediksi\tab \up0 \expndtw0\charscalex101 perubahan
\par\pard\li2373\sb52\sl-218\slmult0\fi1141\tx4399\tx7779 \up0 \expndtw0\charsca
lex101 empiris\tab \up0 \expndtw0\charscalex101 pada\tab \up0 \expndtw0\charscal
ex101 laba. Rasio keuangan yang\par\pard\li2373\sb37\sl-218\slmult0\fi1141\tx
7779 \up0 \expndtw0\charscalex101 perusahaan\tab \up0 \expndtw0\charscalex101 di
gunakan meliputi rasio\par\pard\li2373\sb52\sl-218\slmult0\fi1141\tx7779 \up
0 \expndtw0\charscalex101 Perbankan\tab \up0 \expndtw0\charscalex101 Capital,
Asser,
Earning,\par\pard\li2373\sb53\sl-218\slmult0\fi1141\tx7779 \up0 \expn
dtw0\charscalex101 yang terdaftar\tab \up0 \expndtw0\charscalex101 Liquidity.\
par\pard\li2373\sb37\sl-218\slmult0\fi1141 \up0 \expndtw0\charscalex101 di Burs
a Efek\par\pard\li2373\sb53\sl-218\slmult0\fi1141 \up0 \expndtw0\charscalex101
Jakarta\par\pard\li2373\sb0\sl-218\slmult0\par\pard\li2373\sb44\sl-218\slmult0\f
i0\tx3514\tx4369\tx4986\tx6427\tx7779 \up0 \expndtw0\charscalex101 Werdyanin\tab
\up0 \expndtw0\charscalex101 Faktor\tab \up0 \expndtw0\charscalex101 yang\tab \
up0 \expndtw0\charscalex101 Pangsa pasar,\tab \up0 \expndtw0\charscalex101 Reg
resi linier\tab \up0 \expndtw0\charscalex101 Hasil dari penelitian dalah\par\
pard\li2373\sb37\sl-218\slmult0\fi0\tx3514\tx4986\tx6427\tx7779\tx8814\tx9698 \u
p0 \expndtw0\charscalex101 gtyas\tab \up0 \expndtw0\charscalex101 Mempengaruhi\t
ab \up0 \expndtw0\charscalex101 CAR,
LDR\tab \up0 \expndtw0\charscalex101 be
rganda\tab \up0 \expndtw0\charscalex101 pangsa\tab \up0 \expndtw0\charscalex101
pasar\tab \up0 \expndtw0\charscalex101 tidak\par\pard\li2373\sb53\sl-218\slmult0
\fi0\tx3514\tx4986\tx7779\tx9413 \up0 \expndtw0\charscalex101 (2002)\tab \up0 \e
xpndtw0\charscalex101 Profitabilitas\tab \up0 \expndtw0\charscalex101 dan\tab \u
p0 \expndtw0\charscalex101 berpengaruh\tab \up0 \expndtw0\charscalex101 terhadap
\par\pard\li3514\sb37\sl-218\slmult0\fi0\tx4369\tx4986\tx7779\tx9248 \up0 \expnd
tw-1\charscalex100 bank\tab \up0 \expndtw-1\charscalex100 Take\tab \up0 \expndtw
-1\charscalex100 profitabilitas\tab \up0 \expndtw-1\charscalex100 profitabilitas
,\tab \up0 \expndtw-1\charscalex100 sedangkan\par\pard\li3514\sb52\sl-218\slmul
t0\fi0\tx4986\tx7779 \up0 \expndtw-1\charscalex100 Over\tab \up0 \expndtw-1\char
scalex100 (ROA)\tab \up0 \expndtw-1\charscalex100 variabel CAR mempunyai\par\
pard\ql \li6112\sb62\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf1\f2\fs24 36
}
}}
}
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}
37\par\pard\sect\sectd\sbknone\cols3\colno1\colw4826\colsr160\colno2\colw2643\co
lsr160\colno3\colw3981\colsr160\ql \li3514\sb0\sl-230\slmult0 \par\pard\ql \li35
14\sb0\sl-230\slmult0 \par\pard\ql \li3514\sb0\sl-230\slmult0 \par\pard\ql \li35
14\sb193\sl-230\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf18\f19\fs
19 Pramerger
di\par\pard\ql \li3514\sb25\sl-230\slmult0 \up0 \expndtw0\charsc
alex100 Indonesia.\par\pard\ql \li2373\sb0\sl-230\slmult0 \par\pard\ql \li2373\s
b0\sl-230\slmult0 \par\pard\ql \li2373\sb0\sl-230\slmult0 \par\pard\ql \li2373\s
b86\sl-230\slmult0\tx3509\tx4319 \up0 \expndtw-2\charscalex100 Bahtiar\tab \up0
\expndtw-2\charscalex100 Analis\tab \up0 \expndtw-3\charscalex100 Rasio\par\pard
\ql \li2373\sb40\sl-230\slmult0\tx3509 \up0 \expndtw-3\charscalex100 Usman\tab \
up0 \expndtw0\charscalex100 Keuangan\par\pard\ql \li2373\sb41\sl-230\slmult0\tx3
509 \up0 \expndtw-1\charscalex100 (2003)\tab \up0 \expndtw-2\charscalex100 dalam
\par\pard\ql \li3514\sb25\sl-230\slmult0 \up0 \expndtw-1\charscalex100 mempredik
si\par\pard\ql \li3514\sb40\sl-230\slmult0 \up0 \expndtw0\charscalex103 perubaha
n laba\par\pard\ql \li3514\sb40\sl-230\slmult0\tx4319 \up0 \expndtw0\charscalex1
02 pada\tab \up0 \expndtw0\charscalex100 bank-\par\pard\ql \li3514\sb25\sl-230\s
lmult0\tx4619 \up0 \expndtw0\charscalex100 bank\tab \up0 \expndtw-3\charscalex10
0 di\par\pard\ql \li3514\sb41\sl-230\slmult0 \up0 \expndtw0\charscalex100 Indone
sia.\par\pard\ql \li2373\sb0\sl-230\slmult0 \par\pard\ql \li2373\sb0\sl-230\slmu

lt0 \par\pard\ql \li2373\sb8\sl-230\slmult0\tx3509 \up0 \expndtw-3\charscalex100
Almalia\tab \up0 \expndtw0\charscalex106 Analisi Rasio\par\pard\ql \li2373\sb
25\sl-230\slmult0\tx3509 \up0 \expndtw0\charscalex101 dan\tab \up0 \expndtw-2\ch
arscalex100 CAMEL\par\pard\ql \li2373\sb41\sl-230\slmult0\tx3509 \up0 \expndtw-1
\charscalex100 Herdyanin\tab \up0 \expndtw0\charscalex101 terhadap\par\pard\ql \
li2373\sb40\sl-230\slmult0\tx3509 \up0 \expndtw-1\charscalex100 gtyas\tab \up0 \
expndtw-2\charscalex100 Prediksi\par\pard\ql \li2373\sb25\sl-230\slmult0\tx3509
\up0 \expndtw-1\charscalex100 (2005)\tab \up0 \expndtw-1\charscalex100 Kondisi\p
ar\pard\ql \li3514\sb40\sl-230\slmult0 \up0 \expndtw-1\charscalex100 Bermasalah\
par\pard\ql \li3514\sb26\sl-230\slmult0 \up0 \expndtw0\charscalex102 pada Lemba
ga\par\pard\ql \li3514\sb40\sl-230\slmult0 \up0 \expndtw-1\charscalex100 Perbank
an\par\pard\ql \li3514\sb40\sl-230\slmult0\tx4303 \up0 \expndtw-2\charscalex100
Perioda\tab \up0 \expndtw-2\charscalex100 2000-\par\pard\ql \li3514\sb25\sl-230\
slmult0 \up0 \expndtw-1\charscalex100 2002\par\pard\ql \li2373\sb0\sl-230\slmult
0 \par\pard\ql \li2373\sb20\sl-230\slmult0\tx3509 \up0 \expndtw-2\charscalex100
Mawardi\tab \up0 \expndtw-2\charscalex100 Analisis\par\pard\ql \li2373\sb40\sl-2
30\slmult0\tx3509 \up0 \expndtw-1\charscalex100 (2005)\tab \up0 \expndtw-1\chars
calex100 Faktor-Faktor\par\pard\ql \li3514\sb26\sl-230\slmult0 \up0 \expndtw0\ch
arscalex102 yang\par\pard\ql \li3514\sb40\sl-230\slmult0 \up0 \expndtw-1\charsca
lex100 Mempengaruhi\par\pard\ql \li3514\sb41\sl-230\slmult0 \up0 \expndtw-3\char
scalex100 Kinerja\par\pard\ql \li3514\sb25\sl-230\slmult0 \up0 \expndtw0\charsca
lex100 Keuangan\par\pard\ql \li3514\sb40\sl-230\slmult0 \up0 \expndtw0\charscale
x101 Bank Umum di\par\pard\ql \li3514\sb25\sl-230\slmult0 \up0 \expndtw0\charsca
lex100 Indonesia\par\pard\ql \li3514\sb41\sl-230\slmult0 \up0 \expndtw0\charscal
ex107 (Studi
Kasus\par\pard\ql \li3514\sb40\sl-230\slmult0\tx4349 \up0 \expnd
tw-1\charscalex100 Pada\tab \up0 \expndtw-2\charscalex100 Bank\par\pard\ql \li35
14\sb25\sl-230\slmult0 \up0 \expndtw0\charscalex102 Umum dengan\par\pard\column
\ql \li4986\sb0\sl-230\slmult0 \par\pard\ql \li4986\sb0\sl-230\slmult0 \par\par
d\ql \li4986\sb0\sl-230\slmult0 \par\pard\ql \li4986\sb0\sl-230\slmult0 \par\par
d\ql \li4986\sb0\sl-230\slmult0 \par\pard\ql \li20\sb74\sl-230\slmult0\tx1466 \u
p0 \expndtw-2\charscalex100 Quick\tab \up0 \expndtw0\charscalex102 Regresi linie
r\par\pard\ql \li20\sb40\sl-230\slmult0\tx1466 \up0 \expndtw-2\charscalex100 Rat
io,Bank\tab \up0 \expndtw0\charscalex100 berganda\par\pard\ql \li20\sb41\sl-230\
slmult0\tx789 \up0 \expndtw-3\charscalex100 ratio,\tab \up0 \expndtw-1\charscale
x100 Gross\par\pard\ql \li20\sb25\sl-230\slmult0 \up0 \expndtw0\charscalex102 Pr
ofit Margin,\par\pard\ql \li20\sb40\sl-230\slmult0\tx789 \up0 \expndtw-3\charsc
alex100 Net\tab \up0 \expndtw-2\charscalex100 Profit\par\pard\ql \li20\sb40\sl-2
30\slmult0 \up0 \expndtw0\charscalex103 margin, Gross\par\pard\ql \li20\sb25\sl
-230\slmult0 \up0 \expndtw0\charscalex104 Yield on Total\par\pard\ql \li20\sb41\
sl-230\slmult0\tx969 \up0 \expndtw0\charscalex103 Asset,\tab \up0 \expndtw-3\cha
rscalex100 Net\par\pard\ql \li20\sb25\sl-230\slmult0\tx1029 \up0 \expndtw-3\char
scalex100 Income\tab \up0 \expndtw0\charscalex101 on\par\pard\ql \li20\sb40\sl-2
30\slmult0\tx759 \up0 \expndtw-1\charscalex100 Total\tab \up0 \expndtw0\charscal
ex100 Asset,\par\pard\ql \li20\sb40\sl-230\slmult0 \up0 \expndtw-2\charscalex100
Leverage\par\pard\ql \li20\sb26\sl-230\slmult0 \up0 \expndtw-2\charscalex100 Mu
ltiplier,\par\pard\ql \li20\sb40\sl-230\slmult0 \up0 \expndtw0\charscalex103 Ass
et\par\pard\ql \li20\sb40\sl-230\slmult0 \up0 \expndtw-1\charscalex100 Utilizati
on,\par\pard\ql \li20\sb25\sl-230\slmult0\tx880 \up0 \expndtw-2\charscalex100 Cr
edit\tab \up0 \expndtw0\charscalex100 Risk\par\pard\ql \li20\sb41\sl-230\slmult0
\up0 \expndtw0\charscalex101 Ratio, Deposit\par\pard\ql \li20\sb40\sl-230\slmu
lt0\tx760 \up0 \expndtw-2\charscalex100 Risk\tab \up0 \expndtw0\charscalex100 Ra
tio,\par\pard\ql \li20\sb25\sl-230\slmult0 \up0 \expndtw-1\charscalex100 Primary
Ratio,\par\pard\ql \li20\sb40\sl-230\slmult0 \up0 \expndtw-1\charscalex100 Cap
ital\par\pard\ql \li20\sb25\sl-230\slmult0 \up0 \expndtw0\charscalex100 Adequacy
\par\pard\ql \li20\sb41\sl-230\slmult0 \up0 \expndtw-3\charscalex100 Ratio.\par\

pard\ql \li4986\sb0\sl-230\slmult0 \par\pard\ql \li20\sb20\sl-230\slmult0\tx1466
\up0 \expndtw-2\charscalex100 CAR,APB,\tab \up0 \expndtw-2\charscalex100 Regres
i\par\pard\ql \li20\sb25\sl-230\slmult0\tx1466 \up0 \expndtw-2\charscalex100 NPL
,\tab \up0 \expndtw-2\charscalex100 Linier\par\pard\ql \li20\sb41\sl-230\slmult0
\tx1466 \up0 \expndtw-1\charscalex100 PPAP,ROA,\tab \up0 \expndtw-1\charscalex10
0 Berganda\par\pard\ql \li20\sb40\sl-230\slmult0\tx940 \up0 \expndtw-4\charscale
x100 NIM,\tab \up0 \expndtw0\charscalex101 dan\par\pard\ql \li20\sb25\sl-230\slm
ult0 \up0 \expndtw-1\charscalex100 BOPO\par\pard\ql \li4986\sb0\sl-230\slmult0 \
par\pard\ql \li4986\sb0\sl-230\slmult0 \par\pard\ql \li4986\sb0\sl-230\slmult0 \
par\pard\ql \li4986\sb0\sl-230\slmult0 \par\pard\ql \li4986\sb0\sl-230\slmult0 \
par\pard\ql \li4986\sb0\sl-230\slmult0 \par\pard\ql \li20\sb191\sl-230\slmult0\t
x1466 \up0 \expndtw0\charscalex107 CAR,
NPL,\tab \up0 \expndtw0\charscalex10
2 Regresi linier\par\pard\ql \li20\sb40\sl-230\slmult0\tx1466 \up0 \expndtw0\cha
rscalex103 BOPO,
NIM\tab \up0 \expndtw0\charscalex100 berganda\par\pard\ql \l
i20\sb26\sl-230\slmult0 \up0 \expndtw-2\charscalex100 dan ROA\par\pard\ql \li611
2\sb0\sl-276\slmult0 \par\pard\ql \li1146\sb247\sl-276\slmult0 \up0 \expndtw-3\c
harscalex100 \ul0\nosupersub\cf1\f2\fs24 37\par\pard\column \ql \li7779\sb0\sl-2
30\slmult0 \par\pard\ql \li20\sb193\sl-230\slmult0 \up0 \expndtw0\charscalex102
\ul0\nosupersub\cf18\f19\fs19 pengaruh positif terhadap\par\pard\ql \li20\sb
25\sl-230\slmult0\tx1344 \up0 \expndtw-2\charscalex100 profitabilitas\tab \up0 \
expndtw0\charscalex111 dan
LDR\par\pard\ql \li20\sb40\sl-230\slmult0\tx1794 \
up0 \expndtw0\charscalex101 berpengaruh\tab \up0 \expndtw-3\charscalex100 negati
f\par\pard\ql \li20\sb41\sl-230\slmult0 \up0 \expndtw-2\charscalex100 terhadap p
rofitabilitas .\par\pard\qj \li20\ri1613\sb202\sl-270\slmult0\tx771\tx1611 \up0
\expndtw0\charscalex101 Quick ratio, Gross Yield to \line \up0 \expndtw0\chars
calex107 Total Asset, Net Income to \line \up0 \expndtw-1\charscalex100 Total \t
ab \up0 \expndtw0\charscalex103 Asset, \tab \up0 \expndtw-3\charscalex100 Lavera
ge\par\pard\qj \li20\ri1614\sb0\sl-270\slmult0\tx1490 \up0 \expndtw0\charscalex1
03 Multiplier dan Deposit Risk \line \up0 \expndtw0\charscalex103 Ratio berpen
garuh dalam \line \up0 \expndtw-1\charscalex100 memprediksi \tab \up0 \expndtw
0\charscalex100 perubahan\par\pard\ql \li20\sb4\sl-230\slmult0 \up0 \expndtw-1\c
harscalex100 laba.\par\pard\ql \li7779\sb0\sl-230\slmult0 \par\pard\ql \li7779\s
b0\sl-230\slmult0 \par\pard\ql \li7779\sb0\sl-230\slmult0 \par\pard\ql \li20\sb4
9\sl-230\slmult0\tx1255 \up0 \expndtw-1\charscalex100 Hasilnya\tab \up0 \expndtw
-2\charscalex100 menunjukkan\par\pard\qj \li20\ri1612\sb0\sl-225\slmult0\tx1881
\up0 \expndtw0\charscalex104 bahwa CAR dan BOPO \line \up0 \expndtw-2\char
scalex100 signifikan \tab \up0 \expndtw-1\charscalex100 untuk\par\pard\ql \li20\
sb11\sl-230\slmult0\tx1751 \up0 \expndtw-1\charscalex100 memprediksi\tab \up0 \e
xpndtw-1\charscalex100 kondisi\par\pard\qj \li20\ri1613\sb0\sl-232\slmult0 \up0
\expndtw0\charscalex106 kebangkrutan
bank
dan \up0 \expndtw0\charscalex106
kesulitan keuangan pada \up0 \expndtw0\charscalex100 sektor perbankan.\par\
pard\ql \li7779\sb0\sl-230\slmult0 \par\pard\ql \li7779\sb0\sl-230\slmult0 \par\
pard\ql \li7779\sb0\sl-230\slmult0 \par\pard\ql \li7779\sb0\sl-230\slmult0 \par\
pard\ql \li7779\sb0\sl-230\slmult0 \par\pard\ql \li20\sb85\sl-230\slmult0\tx1541
\up0 \expndtw-4\charscalex100 Hasil\tab \up0 \expndtw0\charscalex100 penelitian
\par\pard\ql \li20\sb40\sl-230\slmult0\tx1659 \up0 \expndtw-2\charscalex100 menu
njukkan\tab \up0 \expndtw-1\charscalex100 keempat\par\pard\qj \li20\ri1604\sb0\s
l-265\slmult0\tx1086\tx1926 \up0 \expndtw0\charscalex101 variable

CAR,NPL,BOP
O \line \up0 \expndtw0\charscalex100 serta NIM secara bersama-\line \up0 \exp
ndtw0\charscalex101 sama mempengaruhi kinerja \line \up0 \expndtw0\charscalex102
bank umum. Untuk variable \line \up0 \expndtw0\charscalex103 CAR dan NIM mempu
nyai \line \up0 \expndtw0\charscalex102 pengaruh positif terhadap \line \up0
\expndtw0\charscalex102 ROA, sedangkan variable \line \up0 \expndtw-2\chars
calex100 BOPO \tab \up0 \expndtw0\charscalex101 dan \tab \up0 \expndtw-5\charsca
lex100 NPL,\par\pard\ql \li20\sb17\sl-230\slmult0\tx1584 \up0 \expndtw-2\charsca
lex100 mempunyai\tab \up0 \expndtw0\charscalex100 pengaruh
}
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}
38\par\pard\sect\sectd\sbknone\cols3\colno1\colw6267\colsr160\colno2\colw1202\co
lsr160\colno3\colw3981\colsr160\ql \li3514\sb0\sl-230\slmult0 \par\pard\ql \li35
14\sb193\sl-230\slmult0\tx4244 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1
8\f19\fs19 Total\tab \up0 \expndtw0\charscalex100 Assets\par\pard\ql \li3514\sb2
5\sl-230\slmult0\tx4453 \up0 \expndtw-1\charscalex100 Kurang\tab \up0 \expndtw-1
\charscalex100 dari\par\pard\ql \li3514\sb40\sl-230\slmult0 \up0 \expndtw-2\char
scalex100 1Triliun)\par\pard\ql \li2373\sb0\sl-230\slmult0 \par\pard\ql \li2373\
sb0\sl-230\slmult0 \par\pard\ql \li2373\sb46\sl-230\slmult0\tx3509\tx4981 \up0 \
expndtw-1\charscalex100 Sudarini\tab \up0 \expndtw0\charscalex100 Penggunaan\tab
\up0 \expndtw0\charscalex104 NIM. BOPO,\par\pard\ql \li2373\sb40\sl-230\slmul
t0\tx3509\tx4981 \up0 \expndtw-1\charscalex100 (2005)\tab \up0 \expndtw0\charsca
lex100 rasio keuangan\tab \up0 \expndtw-2\charscalex100 laba\par\pard\ql \li351
4\sb41\sl-230\slmult0 \up0 \expndtw-2\charscalex100 dalam\par\pard\ql \li3514\sb
25\sl-230\slmult0 \up0 \expndtw-1\charscalex100 memprediksi\par\pard\ql \li3514\
sb40\sl-230\slmult0 \up0 \expndtw0\charscalex101 laba-laba masa\par\pard\ql \li
3514\sb40\sl-230\slmult0\tx4408 \up0 \expndtw0\charscalex102 yang\tab \up0 \expn
dtw-4\charscalex100 akan\par\pard\ql \li3514\sb25\sl-230\slmult0\tx4333 \up0 \ex
pndtw0\charscalex102 datang\tab \up0 \expndtw-4\charscalex100 (studi\par\pard\ql
\li3514\sb41\sl-230\slmult0\tx4619 \up0 \expndtw0\charscalex101 kasus\tab \up0
\expndtw-3\charscalex100 di\par\pard\ql \li3514\sb25\sl-230\slmult0 \up0 \expndt
w0\charscalex100 perusahaan\par\pard\ql \li3514\sb40\sl-230\slmult0 \up0 \expndt
w-1\charscalex100 Perbankan\par\pard\ql \li3514\sb40\sl-230\slmult0 \up0 \expndt
w0\charscalex103 yang terdaftar\par\pard\ql \li3514\sb26\sl-230\slmult0 \up0 \
expndtw0\charscalex104 di Bursa Efek\par\pard\ql \li3514\sb40\sl-230\slmult0 \
up0 \expndtw-2\charscalex100 Jakarta)\par\pard\ql \li2373\sb0\sl-230\slmult0 \pa
r\pard\ql \li2373\sb0\sl-230\slmult0 \par\pard\ql \li2373\sb121\sl-230\slmult0\t
x3509\tx4981 \up0 \expndtw-1\charscalex100 Merdianaw\tab \up0 \expndtw-1\charsca
lex100 Analisi\tab \up0 \expndtw-2\charscalex100 Penawaran\par\pard\ql \li2373\s
b10\sl-230\slmult0\tx3509\tx4981\tx5745 \up0 \expndtw-1\charscalex100 athi (2007
)\tab \up0 \expndtw-2\charscalex100 Perilaku\tab \up0 \expndtw-3\charscalex100 k
redit,\tab \up0 \expndtw0\charscalex100 DPK,\par\pard\ql \li3514\sb0\sl-225\slmu
lt0\tx4981 \up0 \expndtw-2\charscalex100 Penawaran\tab \up0 \expndtw0\charscalex
107 CAR,
ROA,\par\pard\ql \li3514\sb0\sl-225\slmult0\tx4981 \up0 \expndtw-4\c
harscalex100 Kredit\tab \up0 \expndtw-1\charscalex100 NPL\par\pard\ql \li3514\sb
11\sl-230\slmult0 \up0 \expndtw-1\charscalex100 Perbankan\par\pard\ql \li3514\sb
1\sl-225\slmult0 \up0 \expndtw0\charscalex105 kepada Sektor\par\pard\ql \li3514
\sb0\sl-225\slmult0 \up0 \expndtw0\charscalex109 UMKM
di\par\pard\ql \li35
14\sb11\sl-230\slmult0 \up0 \expndtw0\charscalex100 Indonesia\par\pard\ql \li351
4\sb0\sl-225\slmult0 \up0 \expndtw-1\charscalex100 (2002-2006)\par\pard\ql \li23
73\sb0\sl-230\slmult0 \par\pard\ql \li2373\sb22\sl-230\slmult0\tx3509\tx4981 \up
0 \expndtw-2\charscalex100 Merkusiwa\tab \up0 \expndtw-2\charscalex100 Evaluasi\
tab \up0 \expndtw0\charscalex104 CAR, RORA,\par\pard\ql \li2373\sb40\sl-230\slm
ult0\tx3509\tx4981 \up0 \expndtw-2\charscalex100 ti (2007)\tab \up0 \expndtw0\ch
arscalex100 Pengaruh\tab \up0 \expndtw0\charscalex105 NPM,
ROA,\par\pard\ql \
li3514\sb40\sl-230\slmult0\tx4981 \up0 \expndtw-2\charscalex100 CAMEL\tab \up0 \
expndtw0\charscalex100 LDR\par\pard\ql \li3514\sb25\sl-230\slmult0 \up0 \expndtw
0\charscalex101 terhadap\par\pard\ql \li3514\sb41\sl-230\slmult0 \up0 \expndtw-3
\charscalex100 Kinerja\par\pard\ql \li3514\sb40\sl-230\slmult0 \up0 \expndtw0\ch

arscalex100 Perusahaan\par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql \li22
68\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb69\sl-276\slmult0 \up0 \expndtw-3\c
harscalex100 \ul0\nosupersub\cf1\f2\fs24 Sumber : Penelitian-penelitian terdahul
u\par\pard\column \ql \li6427\sb0\sl-230\slmult0 \par\pard\ql \li6427\sb0\sl-230
\slmult0 \par\pard\ql \li6427\sb0\sl-230\slmult0 \par\pard\ql \li6427\sb0\sl-230
\slmult0 \par\pard\ql \li6427\sb0\sl-230\slmult0 \par\pard\ql \li21\sb74\sl-230\
slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf18\f19\fs19 Regresi linie
r\par\pard\ql \li21\sb40\sl-230\slmult0 \up0 \expndtw0\charscalex100 berganda\pa
r\pard\qj \li6427\sb0\sl-240\slmult0 \par\pard\qj \li6427\sb0\sl-240\slmult0 \pa
r\pard\qj \li21\ri29\sb126\sl-240\slmult0 \up0 \expndtw0\charscalex102 Regresi l
inier \up0 \expndtw0\charscalex100 berganda\par\pard\qj \li6427\sb0\sl-270\slmul
t0 \par\pard\qj \li6427\sb0\sl-270\slmult0 \par\pard\qj \li6427\sb0\sl-270\slmul
t0 \par\pard\qj \li6427\sb0\sl-270\slmult0 \par\pard\qj \li6427\sb0\sl-270\slmul
t0 \par\pard\qj \li6427\sb0\sl-270\slmult0 \par\pard\qj \li21\ri29\sb203\sl-270\
slmult0 \up0 \expndtw0\charscalex102 Regresi linier \up0 \expndtw0\charscalex100
berganda\par\pard\column \ql \li7779\sb0\sl-230\slmult0 \par\pard\ql \li7779\sb
0\sl-230\slmult0 \par\pard\ql \li7779\sb0\sl-230\slmult0 \par\pard\ql \li7779\sb
0\sl-230\slmult0 \par\pard\ql \li7779\sb0\sl-230\slmult0 \par\pard\ql \li20\sb19
3\sl-230\slmult0 \up0 \expndtw0\charscalex103 negative
terhadap
ROA.\par\p
ard\qj \li20\ri1615\sb0\sl-270\slmult0 \up0 \expndtw0\charscalex101 Dari keempat
variable, yang \line \up0 \expndtw0\charscalex100 paling berpengaruh terhadap \
line \up0 \expndtw-1\charscalex100 ROA adalah variable NIM.\par\pard\ql \li20\sb
221\sl-230\slmult0\tx1541 \up0 \expndtw-4\charscalex100 Hasil\tab \up0 \expndtw0
\charscalex100 penelitian\par\pard\qj \li20\ri1613\sb14\sl-262\slmult0 \up0 \exp
ndtw0\charscalex102 menunjukkan bahwa NIM \line \up0 \expndtw0\charscalex104
dan
BOPO
berpengaruh \line \up0 \expndtw0\charscalex100 terhadap laba tahu
n depan.\par\pard\qj \li7779\sb0\sl-265\slmult0 \par\pard\qj \li7779\sb0\sl-265\
slmult0 \par\pard\qj \li7779\sb0\sl-265\slmult0 \par\pard\qj \li7779\sb0\sl-265\
slmult0 \par\pard\qj \li7779\sb0\sl-265\slmult0 \par\pard\qj \li20\ri1613\sb19\s
l-265\slmult0 \up0 \expndtw0\charscalex103 CAR berpengaruh positif \line \up
0 \expndtw0\charscalex106 dan
signifikan
terhadap \line \up0 \expndtw0\cha
rscalex103 penawaran kredit investasi \line \up0 \expndtw0\charscalex107 modal
kerja bank umum. \line \up0 \expndtw0\charscalex103 NPL berpengaruh nega
tif \line \up0 \expndtw0\charscalex106 dan
signifikan
terhadap \line \up0
\expndtw0\charscalex103 penawaran kredit investasi \line \up0 \expndtw-1\chars
calex100 modal kerja bank umum.\par\pard\ql \li20\sb230\sl-230\slmult0\tx1541 \u
p0 \expndtw-4\charscalex100 Hasil\tab \up0 \expndtw0\charscalex100 penelitian\pa
r\pard\qj \li20\ri1604\sb15\sl-225\slmult0\tx726\tx1940 \up0 \expndtw0\charscale
x102 menunjukkan bahwa rasio \line \up0 \expndtw0\charscalex101 CAMEL pada t
ahun 1996 -\line \up0 \expndtw-3\charscalex100 2000, \tab \up0 \expndtw0\charsc
alex105 1999
dan \tab \up0 \expndtw-2\charscalex100 2000\par\pard\qj \li20\ri
1612\sb15\sl-225\slmult0\tx1011\tx1926 \up0 \expndtw0\charscalex104 berpengaruh
positif
dan \line \up0 \expndtw0\charscalex102 signifikan terhadap ROA
, \line \up0 \expndtw0\charscalex101 tahun \tab \up0 \expndtw-5\charscalex100 19
97 \tab \up0 \expndtw0\charscalex101 tidak\par\pard\ql \li20\sb11\sl-230\slmult0
\tx1539 \up0 \expndtw0\charscalex100 berpengaruh\tab \up0 \expndtw-2\charscalex1
00 signifikan\par\pard\ql \li20\sb0\sl-225\slmult0 \up0 \expndtw-1\charscalex100

terhadap ROA. \par\pard\sect\sectd\sbknone \qj \li2268\ri1501\sb103\sl-560\slmu
lt0\fi720 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Berdasarkan a
tas penelitian-penelitian yang telah dilakukan sebelumnya, \line \up0 \expndtw0\
charscalex103 terdapat perbedaan dan persamaan antara penelitian yang dilaku
kan demgan \line \up0 \expndtw0\charscalex100 penelittian-penelitian sebelumnya
. Kesamaan penelitian yang akan dilakukan \par\pard\ql \li6112\sb0\sl-276\s
lmult0 \par\pard\ql\li6112\sb179\sl-276\slmult0 \up0 \expndtw-3\charscalex100 38
}
}}
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}
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}
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}
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}
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}
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}
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}
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}
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}}
}
}}

}
50\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf1\f2\fs24 dengan pene
litian terdahulu adalah menganalisis pengaruh rasio keuangan \line \up0 \e
xpndtw0\charscalex100 terhadap tingkat profitabilitas yang diproksikan dengan \u
l0\nosupersub\cf9\f10\fs24 Return On Asset \ul0\nosupersub\cf1\f2\fs24 (ROA). \l
ine \up0 \expndtw0\charscalex102 Sedangkan perbedaannya adalah dalam periode
penelitian, dimana periode \line \up0 \expndtw0\charscalex100 penelitian ini
menggunakan periode 2005-2009. Variabel yang digunakan dalam \line \up0 \expndt
w0\charscalex100 penelitian ini adalah \ul0\nosupersub\cf9\f10\fs24 Capital Ade
quacy Ratio \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (CAR), \u
l0\nosupersub\cf9\f10\fs24 Non Performing Loan \par\pard\qj \li2268\ri1489\sb
0\sl-580\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (NPL),
BOPO, \ul0\nosupersub\cf9\f10\fs24 Net Interest Margin\ul0\nosupersub\cf1\f2\fs
24 (NIM) dan \ul0\nosupersub\cf9\f10\fs24 Loan to Deposit Ratio\ul0\nosupersub\
cf1\f2\fs24 (LDR) dan \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf9\f10\fs2
4 Return On Assets\ul0\nosupersub\cf1\f2\fs24 (ROA). \par\pard\ql \li2268\sb0\s
x100 \ul0\nosupersub\cf6\f7\fs24 2.3 Kerangka Pemikiran Teoritis dan Perumusan H
ipotesis \par\pard\qj \li2268\ri1482\sb213\sl-580\slmult0 \up0 \expndtw0\charsca
lex103 2.3.1 Pengaruh \ul0\nosupersub\cf8\f9\fs24 Capital Adequacy Ratio\ul0\n
osupersub\cf6\f7\fs24 (CAR) terhadap \ul0\nosupersub\cf8\f9\fs24 Return On Ass
et \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf6\f7\fs24 (ROA) \par\pard\qj
\li2268\ri1497\sb161\sl-555\slmult0\fi720 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf9\f10\fs24 Capital Adequacy Ratio\ul0\nosupersub\cf1\f2\fs24 (CAR) ju
ga biasa disebut sebagai rasio kecukupan \line \up0 \expndtw0\charscalex100 moda
l, yang berarti jumlah modal sendiri yang diperlukan untuk menutup risiko \line
\up0 \expndtw-2\charscalex100 kerugian yang timbul dari penanaman aktiva-aktiva
yang mengandung risiko serta \line \up0 \expndtw0\charscalex104 membiayai seluru
h benda tetap dan inventaris bank. Seluruh bank yang ada di \line \up0 \expndtw1\charscalex100 Indonesia diwajibkan untuk menyediakan modal minimum sebes
ar \up0 \expndtw0\charscalex100 8% dari \par\pard\qj \li2268\ri1513\sb1\sl-560\
slmult0 \up0 \expndtw0\charscalex101 ATMR. Semakin besar \ul0\nosupersub\cf9\f10
\fs24 Capital Adequacy Ratio\ul0\nosupersub\cf1\f2\fs24 (CAR) maka keuntungan
bank \line \up0 \expndtw0\charscalex104 juga semakin besar. Dengan kata lain,
semakin kecil risiko suatu bank maka \line \up0 \expndtw-2\charscalex100 semaki
n besar keuntungan yang diperoleh bank (Kuncoro dan Suharjono,2002) \par\pard\qj
\li2268\ri1502\sb192\sl-546\slmult0\fi720 \up0 \expndtw0\charscalex101 Menurut
Dendawijaya (2001), CAR adalah rasio yang memperlihatkan \line \up0 \expndtw0\
charscalex100 seberapa jauh seluruh aktiva bank yang mengandung rasio yang mempe
rlihatkan \line \up0 \expndtw0\charscalex103 seberapa jauh seluruh aktiva bank y
ang mengandung risiko (kredit, penyertaan \line \up0 \expndtw0\charscalex100 sur
at berharga, tagihan pada bank lain) ikut dibiayai dari danamodal sendiri bank \
par\pard\ql \li6112\sb138\sl-276\slmult0 \up0 \expndtw-3\charscalex100 39

}
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}
56\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 disamping me
mperoleh dana-dana dari sumber-sumber diluar bank, seperti dana \up0 \expndtw0\c
harscalex100 masyarakat, pinjaman (utang), dan lain-lain. Dengan kata lain, CAR
adalah rasio \up0 \expndtw0\charscalex103 kinerja bank untuk mengukur kecuku
pan modal yang dimiliki bank untuk \up0 \expndtw0\charscalex102 menunjang ak
tiva yang mengandung atau menghasilkan risiko, misalnya kredit \up0 \expndtw-2\c
harscalex100 yang diberikan. CAR menunjukkan sejauhmana penurunan asset bank yan
g masih \up0 \expndtw0\charscalex100 dapat ditutup oleh equity bank yang tersedi
a, semakin tinggi CAR maka semakin \up0 \expndtw-4\charscalex100 baik kondisi ba
nk (Tarmidzi, 2003). \par\pard\qj \li2268\ri1499\sb181\sl-560\slmult0\fi720 \up0
\expndtw0\charscalex102 Hasil penelitian yang dilakukan oleh Werdaningtyas (20
02) , Mawardi \line \up0 \expndtw0\charscalex102 (2005) dan Merkusiwati (2007
) menunjukkan hasil bahwa \ul0\nosupersub\cf9\f10\fs24 Capital Adequacy \line
\up0 \expndtw-2\charscalex100 Ratio\ul0\nosupersub\cf1\f2\fs24 (CAR) berpengar
uh positif dan signifikan terhadap \ul0\nosupersub\cf9\f10\fs24 Return On Asset\
ul0\nosupersub\cf1\f2\fs24 (ROA). \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\
pard\ql\li2268\sb139\sl-276\slmult0\tx6668 \up0 \expndtw0\charscalex101 \ul0\nos
upersub\cf6\f7\fs24 2.3.2
Pengaruh \ul0\nosupersub\cf8\f9\fs24 Non Performing
Loan \tab \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf6\f7\fs24 (NPL) terhad
ap\ul0\nosupersub\cf8\f9\fs24 Return On Asset \par\pard\ql \li2268\sb0\sl-276\s
lmult0 \par\pard\ql\li2268\sb8\sl-276\slmult0 \up0 \expndtw-5\charscalex100 \ul0
\nosupersub\cf6\f7\fs24 (ROA) \par\pard\qj \li2268\ri1494\sb235\sl-554\slmult0\f
i720 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Credit risk\ul0\
nosupersub\cf1\f2\fs24 adalah risiko yang dihadapi bank karena menyalurkan dana
nya \up0 \expndtw0\charscalex102 dalam bentuk pinjaman kepada masyarakat (Sri Su
silo, 2000). Adanya berbagai \up0 \expndtw-1\charscalex100 sebab membuat debitur
mungkin saja menjadi tidak memenuhi kewajiban kepada \up0 \expndtw0\charscalex1
03 bank. Manajemen piutang merupakan hal yang sangat penting bagi perusahaan \up
0 \expndtw-1\charscalex100 yang operasinya memberikan kredit, karena semakin bes
ar piutang semakin besar \up0 \expndtw-2\charscalex100 pula resikonya (Bambang d
alam Mawardi,2005). Apabila suatu bank kondisi NPL \up0 \expndtw0\charscalex100
tinggi maka akan memperbesar biaya lainnya, sehingga berpotensi terhadap
\up0 \expndtw-3\charscalex100 kerugian bank (Mawardi, 2005) \par\pard\qj \li226
8\ri1510\sb162\sl-560\slmult0\fi720 \up0 \expndtw-1\charscalex100 Rasio NPL menu
njukkan kemampuan manajemen bank dalam mengelola \line \up0 \expndtw0\charscalex
100 kredit bermasalah yang diberikan oleh bank. Semakin tinggi rasio NPL maka \
par\pard\ql \li6112\sb135\sl-276\slmult0 \up0 \expndtw-3\charscalex100 40
}
}}
}
60\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 semakin bur
uk kualitas kredit yang menyebabkan jumlah kredit bermasalah \line \up0 \
expndtw0\charscalex102 semakin besar sehingga dapat menyebabkan kemungkinan s
uatu bank dalam \line \up0 \expndtw0\charscalex103 kondisi bermasalah semakin b
esar (Herdiningtyas, 2002). Maka dalam hal ini \line \up0 \expndtw-2\charscale
x100 semakin tinggi rasio NPL maka semakin rendah profitabilitas suatu bank. \pa
r\pard\qj \li2268\ri1511\sb180\sl-560\slmult0\fi720 \up0 \expndtw0\charscalex101
Penelitian yang dilakukan oleh Usman (2003) menunujukan pengaruh \line \up0
\expndtw0\charscalex100 negatif \ul0\nosupersub\cf9\f10\fs24 Non Performing Loan
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (NPL)\ul0\nosupersub\c
f6\f7\fs24 \ul0\nosupersub\cf1\f2\fs24 terhadap perubahan laba, semakin tingg
i \par\pard\ql \li2268\sb215\sl-276\slmult0\tx4641 \up0 \expndtw0\charscalex100
\ul0\nosupersub\cf9\f10\fs24 Non Performing Loan \tab \up0 \expndtw0\charscalex1
01 \ul0\nosupersub\cf1\f2\fs24 (NPL)\ul0\nosupersub\cf6\f7\fs24 \ul0\nosupersub
\cf1\f2\fs24 maka semakin besar risiko yang disalurkan bank \par\pard\qj \li2268
\ri1497\sb50\sl-560\slmult0 \up0 \expndtw0\charscalex103 sehingga semakin rendah
pendapatan sehingga laba yang diproksikan dengan \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf9\f10\fs24 Return On Asset \ul0\nosupersub\cf1\f2\fs24 (ROA)
menurun. \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb159\sl-2
76\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 2.3.3 Peng
aruh BOPO terhadap \ul0\nosupersub\cf8\f9\fs24 Return On Asset \ul0\nosupersub\c
f6\f7\fs24 (ROA). \par\pard\qj \li2268\ri1502\sb212\sl-557\slmult0\fi720 \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 BOPO merupakan rasio antara b
iaya operasi terhadap pendapatan operasi \up0 \expndtw0\charscalex102 (Dahlan Si
amat, 1993). Biaya operasional digunakan untuk mengukur tingkat \up0 \expndtw
0\charscalex102 efisien dan kemampuan bank dalam melakukan kegiatan operasionaln
ya. Biaya \up0 \expndtw0\charscalex105 operasional merupakan biaya yang dike
luarkan oleh bank dalam rangka \up0 \expndtw0\charscalex102 menjalankan akti
vitas usaha pokoknya (seperti biaya bunga, biaya tenaga kerja, \up0 \expndtw0\ch
arscalex102 biaya pemasaran dan biaya operasi lainnya).pendapatan operasional me
rupakan \up0 \expndtw-1\charscalex100 pendapatan utama bank, yaitu pendapatan bu
nga yang diperoleh dari penempatan \up0 \expndtw-3\charscalex100 dana dalam bent
uk kredit dan pendapatan operasi lainnya. \par\pard\qj \li2268\ri1503\sb198\sl-5
40\slmult0\fi720 \up0 \expndtw-3\charscalex100 Bank yang efisien dalam menekan b
iaya operasionalnya dapat mengurangi \line \up0 \expndtw0\charscalex100 kerugian
akibat ketidakefisienan bank dalam mengelola usahanya sehingga laba \line \up0
\expndtw-2\charscalex100 yang diperoleh juga akan meningkat. Semakin kecil BOPO
menunjukkan semakin \par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\
sb0\sl-276\slmult0 \par\pard\ql\li6112\sb147\sl-276\slmult0 \up0 \expndtw-3\char
scalex100 41
}
}}
}
80\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 efisien bank
dalam menjalankan aktivitas usahanya sehingga semakin sehat bank \up0 \expndtw3\charscalex100 tersebu (Herdiningtyas, 2005). \par\pard\qj \li2268\ri1498\sb161
\sl-555\slmult0\fi720 \up0 \expndtw0\charscalex100 Bank Indonesia menetapkan a
ngka terbaik untuk rasio BOPO adalah \line \up0 \expndtw0\charscalex102 dib
awah 90%, karena jika rasio BOPO melebihi 90% hingga mendekati 100% \line \up0 \
expndtw0\charscalex104 maka bank tersebut dapat dikategorikan tidak efisie
n dalam menjalankan \line \up0 \expndtw-1\charscalex100 operasinya. Semakin ke
cil rasio ini berarti semakin efisien biaya operasional yang \line \up0 \expndtw
0\charscalex103 dikeluarkan bank yang bersangkutan sehingga kemungkinan suatu ba
nk dalam \line \up0 \expndtw0\charscalex104 kondisi bermasalah semakin kecil. Me
nurut bank Indonesia , efisiensi operasi \line \up0 \expndtw-2\charscalex100 di
ukur dengan membandingkan total biaya oprasi dengan total pendapatan operasi \li
ne \up0 \expndtw0\charscalex102 atau sering disebut BOPO. Sehingga dapat disusun
suatu logika bahwa variabel \line \up0 \expndtw0\charscalex102 efisiensi operas
i yang diproksikan dengan BOPO berpengaruh negatif terhadap \line \up0 \expndtw3\charscalex100 kinerja perbankan yang diproksikan dengan \ul0\nosupersub\cf9\f1
0\fs24 Return on Assets\ul0\nosupersub\cf1\f2\fs24 (ROA). \par\pard\qj \li2268\
ri1508\sb145\sl-580\slmult0\fi720 \up0 \expndtw-1\charscalex100 Hasil penelitian
yang dilakukan oleh Mawardi (2005) menunjukkan hasil \up0 \expndtw-3\charscalex
100 bahwa BOPO berpengaruh negatif terhadap \ul0\nosupersub\cf9\f10\fs24 Return
On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA). \par\pard\ql \li2268\ri1502\sb184\sl
-551\slmult0\tx2988 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs24 2.
3.4 Pengaruh \ul0\nosupersub\cf8\f9\fs24 Net Income Margin\ul0\nosupersub\cf6\
f7\fs24 (NIM) terhadap \ul0\nosupersub\cf8\f9\fs24 Return On Asset\ul0\nosupers
ub\cf6\f7\fs24 (ROA) \line\tab \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf1
\f2\fs24 Menurut peraturan BI No.5/8 tahun 2003 risiko pasar merupakan jenis \l
ine \up0 \expndtw0\charscalex103 risiko gabungan yang terbentuk akibat perubaha
n suku bunga, perubahan nilai \up0 \expndtw-1\charscalex100 tukar serta hal-hal

lain yang menentukan harga pasar saham, maupun ekuitas, dan \up0 \expndtw0\chars
calex100 komoditas. Bank dapat terkena dampak faktor pembentukan harga karena mo
dal, \up0 \expndtw-1\charscalex100 seperti suku bunga karena adanya risiko suku
bunga dalam pembukuan bank yang \up0 \expndtw-2\charscalex100 merupakan dampak d
ari struktur bisnis bank seperti aktifitas pemberian kredit dan \up0 \expndtw-3\
charscalex100 penerimaan tabungan (Ghazali,2006) \par\pard\ql \li6112\sb0\sl-276
\slmult0 \par\pard\ql\li6112\sb61\sl-276\slmult0 \up0 \expndtw-3\charscalex100 4
2
}
}}
}
\par\pard\ql\li2988\sb204\sl-276\slmult0\tx5407 \up0 \expndtw0\charscalex103 \ul
0\nosupersub\cf9\f10\fs24 Net Income Margin \tab \up0 \expndtw0\charscalex103
\ul0\nosupersub\cf1\f2\fs24 (NIM) merupakan rasio yang menunjukkan \par\p
ard\qj \li2268\ri1487\sb56\sl-553\slmult0 \up0 \expndtw0\charscalex103 kemampuan
manajemen bank dalam mengelola aktiva produktifnya untuk \line \up0 \exp
ndtw0\charscalex100 menghasilkan pendapatan bunga bersih. Pendapatan bunga bersi
h diperoleh dari \line \up0 \expndtw-2\charscalex100 pemberian kredit atau pinja
man, sementara bank memiliki kewajiban beban bunga \line \up0 \expndtw0\charscal
ex100 kepada deposan. Semakin besar rasio ini maka meningkatkan pendapatan bunga
\line \up0 \expndtw-1\charscalex100 atas aktiva produktif yang dikelola bank se
hingga kemungkinan suatu bank dalam \line \up0 \expndtw0\charscalex103 kondisi
bermasalah semakin kecil. Meningkatnya pendapatan bunga dapat \line \up0 \
expndtw0\charscalex102 memberikan kontribusi laba terhadap bank. Sehingga dapat
disimpulkan bahwa \line \up0 \expndtw0\charscalex102 semakin besar perubahan \ul
0\nosupersub\cf9\f10\fs24 Net Income Margin\ul0\nosupersub\cf1\f2\fs24 (NIM) su
atu bank, maka semakin \line \up0 \expndtw0\charscalex105 besar pula profitabili
tas bank tersebut, yang berarti kinerja keuangan tersebut \line \up0 \expndtw-4\
charscalex100 semakin meningkat. \par\pard\qj \li2268\ri1481\sb182\sl-560\slmult
0\fi720 \up0 \expndtw0\charscalex101 Penelitian yang dilakukan Mawardi (2005) ;
Usman (2003) dan Sudarini \up0 \expndtw0\charscalex100 (2005) menunjukkan hasil
bahwa \ul0\nosupersub\cf9\f10\fs24 Net Income Margin\ul0\nosupersub\cf1\f2\fs24
(NIM) berpengaruh positif \up0 \expndtw-4\charscalex100 terhadap \ul0\nosupersu
b\cf9\f10\fs24 Return On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA). \par\pard\ql \

-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 2.3.5 Pengaruh \ul0\nosupersub\cf8\
f9\fs24 Loan Deposit Ratio\ul0\nosupersub\cf6\f7\fs24 (LDR) terhadap \ul0\nosup
ersub\cf8\f9\fs24 Return On Asset\ul0\nosupersub\cf6\f7\fs24 (ROA) \par\pard\qj
\li2268\ri1490\sb230\sl-560\slmult0\fi720 \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf9\f10\fs24 Loan Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) yaitu
menunjukkan kemampuan suatu bank di \line \up0 \expndtw0\charscalex104 dalam me
nyediakan dana kepada debiturnya dengan modal yang dimiliki oleh \line \up0 \exp
ndtw-3\charscalex100 bank maupun dana yang dapat dikumpulkan oleh masyarakat (Ku
suno, 2003) \par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988\sb139\sl
-276\slmult0\tx5241 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf9\f10\fs24 Lo
an Deposit Ratio \tab \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf1\f2\fs24
(LDR) mencerminkan kemampuan bank dalam \par\pard\qj \li2268\ri1497\sb38\sl
-550\slmult0 \up0 \expndtw0\charscalex106 membayar kembali penarikan dana
yang dilakukan deposan dengan \line \up0 \expndtw0\charscalex102 mengand
alkan kredit yang diberikan sebagai sumber likuiditasnya, dengan kata \line \up0
\expndtw0\charscalex102 lain seberapa jauh pemberian kredit kepada nasabah kred
it dapat mengimbangi \par\pard\ql \li6112\sb137\sl-276\slmult0 \up0 \expndtw-3\c
harscalex100 43
}
}}
}
60\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 kewajiban ba
nk untuk segera memenuhi permintaan deposan yang ingin menarik \up0 \expndtw0\ch
arscalex100 kembali uangnya yang telah digunakan oleh bank untuk memberikan kred
it yang \up0 \expndtw-3\charscalex100 diberikan dengan total dana pihak ketiga.
\par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988\sb139\sl-276\slmult0
\tx8110 \up0 \expndtw0\charscalex101 Semakin tinggi nilai rasio \ul0\nosupers
ub\cf9\f10\fs24 Loan Deposit Ratio \tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf1\f2\fs24 (LDR) menunjukkan \par\pard\qj \li2268\ri1504\sb56\sl-552\
slmult0 \up0 \expndtw0\charscalex100 semakin rendahnya kemampuan likuiditas
bank yang bersangkutan sehingga \up0 \expndtw0\charscalex105 kemungkinan sua
tu bank dalam kondisi bermasalah akan semakin besar \up0 \expndtw0\charsc
alex100 (Lesmana,2008), sebaliknya semakin rendah rasio \ul0\nosupersub\cf9\f10
\fs24 Loan Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) \up0 \expndtw0\ch
arscalex100 menunjukkan kurangnya efektifitas bank dalam menyalurkan kredit
sehingga \up0 \expndtw0\charscalex100 hilangnya kesempatan bank untuk mempero

leh laba. Jika rasio berada pada \up0 \expndtw0\charscalex100 standar yang
ditetapkan bank Indonesia, maka laba akan meningkat (dengan \up0 \expndtw
-1\charscalex100 asumsi bank tersebut menyalurkan kreditnya dengan efektif). Men
ingkatnya laba, \up0 \expndtw0\charscalex100 maka \ul0\nosupersub\cf9\f10\fs24
Return On Asset \ul0\nosupersub\cf1\f2\fs24 (ROA) juga akan meningkat, karen
a laba merupakan \up0 \expndtw-3\charscalex100 komponen yang membentuk \ul0\no
supersub\cf9\f10\fs24 Return On Asset \ul0\nosupersub\cf1\f2\fs24 (ROA). \par\pa
rd\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb154\sl-276\slmult0\fi720\tx6780\t
x9554 \up0 \expndtw0\charscalex100 Penelitian yang dilakukan Usman\tab \up0 \
expndtw0\charscalex100 (2003) dan Merkusiwati\tab \up0 \expndtw0\charscalex100
(2007)\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb3\sl-276\slmult0\fi
0 \up0 \expndtw0\charscalex100 memperlihatkan hasil bahwa \ul0\nosupersub\cf9\f1
0\fs24 Loan Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) berpengaruh positif
dan\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb19\sl-276\slmult0\fi0 \
up0 \expndtw0\charscalex100 signifikan terhadap \ul0\nosupersub\cf9\f10\fs24 Ret
urn On Asset \ul0\nosupersub\cf1\f2\fs24 (ROA).\par\pard\qj \li2268\ri1496\sb210
\sl-560\slmult0\fi720 \up0 \expndtw0\charscalex100 Dari uraian diatas dan hasil
dari penelitian terdahulu, maka yang menjadi \line \up0 \expndtw0\charscalex100
varabel didalam penelitian ini adalah \ul0\nosupersub\cf9\f10\fs24 Capital Ad
equacy Ratio \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (CAR), \u
l0\nosupersub\cf9\f10\fs24 Non \par\pard\qj \li2268\ri1506\sb9\sl-550\slmult0 \
up0 \expndtw-1\charscalex100 Performing Loan\ul0\nosupersub\cf1\f2\fs24 (NPL),
BOPO, \ul0\nosupersub\cf9\f10\fs24 Net Interest Margin\ul0\nosupersub\cf1\f2\fs2
4 (NIM) dan \ul0\nosupersub\cf9\f10\fs24 Loan to Deposit \line \up0 \expndtw0\c
harscalex100 Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) sebagai variabel \ul0\nosup
ersub\cf9\f10\fs24 independent\ul0\nosupersub\cf1\f2\fs24 (bebas) dan \ul0\nosu
persub\cf9\f10\fs24 Return On Assets \ul0\nosupersub\cf1\f2\fs24 (ROA) \line \up
0 \expndtw0\charscalex100 sebagai variabel dependent \up0 \expndtw-1\charscalex1
00 (terikat). Sehingga kerangka pikir tersebut dapat \par\pard\ql \li2268\s
b237\sl-276\slmult0 \up0 \expndtw-3\charscalex100 digambarkan sebagai berikut :
\par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb88\sl-276\slmult0
}
}}
}
persub\cf6\f7\fs24 Gambar 2.1 \par\pard\ql \li3935\sb204\sl-276\slmult0 \up0 \ex
pndtw-3\charscalex100 Pengaruh CAR, NPL, BOPO, NIM dan LDR \par\pard\ql \li5437\
sb204\sl-276\slmult0 \up0 \expndtw-4\charscalex100 Terhadap ROA\par\pard\sect\se
ctd\sbknone\cols2\colno1\colw4991\colsr160\colno2\colw6609\colsr160\ql \li3739\s
b0\sl-333\slmult0 \par\pard\ql \li3739\sb72\sl-333\slmult0 \up0 \expndtw-7\chars
calex100 \ul0\nosupersub\cf12\f13\fs29 CAR\par\pard\ql \li3769\sb298\sl-333\slmu
lt0 \up0 \expndtw-7\charscalex100 NPL\par\pard\ql \li3649\sb297\sl-333\slmult0 \
up0 \expndtw-4\charscalex100 BOPO\par\pard\ql \li3754\sb313\sl-333\slmult0 \up0
\expndtw-7\charscalex100 NIM\par\pard\ql \li3754\sb312\sl-333\slmult0 \up0 \expn
dtw-8\charscalex100 LDR\par\pard\column \ql \li5151\sb0\sl-276\slmult0 \par\pard
\ql \li5151\sb0\sl-276\slmult0 \par\pard\ql \li5151\sb0\sl-276\slmult0 \par\pard
\ql \li20\sb155\sl-276\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf6
\f7\fs24 +\par\pard\ql \li5151\sb0\sl-276\slmult0 \par\pard\ql \li20\sb199\sl-27
6\slmult0 \up0 \expndtw-3\charscalex100 -\par\pard\ql \li5151\sb0\sl-287\slmult0
\par\pard\ql \li20\sb178\sl-287\slmult0\tx1918 \up0 \expndtw-3\charscalex100 -\
tab \up0 \expndtw-6\charscalex100 \ul0\nosupersub\cf12\f13\fs29 ROA\par\pard\ql
\li5151\sb0\sl-276\slmult0 \par\pard\ql \li20\sb183\sl-276\slmult0 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 +\par\pard\ql \li20\sb249\sl-276\sl
mult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf6\f7\fs24 + \par\pard\sect
\sectd\sbknone \qj \li2268\sb0\sl-540\slmult0 \par\pard\qj\li2268\ri1497\sb465\s
l-540\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Sumber :
Werdaningtyas (2002) ; Mawardi (2005) ; Usman (2003) ; Sudarini \up0 \expndtw
-3\charscalex100 (2005) ; Zainuddin dan Hartono (1999) \par\pard\ql \li2268\sb0\
ex100 \ul0\nosupersub\cf6\f7\fs24 2.3.6 Perumusan Hipotesis \par\pard\qj \li226
8\ri1499\sb210\sl-560\slmult0\fi360 \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf1\f2\fs24 Berdasarkan tujuan penelitian, landasan teori, penelitian seb
elumnya dan \line \up0 \expndtw0\charscalex100 kerangka penelitian teoritis, m
aka dapat diperoleh beberapa hipotesis sebagai \line \up0 \expndtw-4\charscale
x100 berikut: \par\pard\ql \li2628\ri1485\sb180\sl-560\slmult0\tx2988 \up0 \expn
dtw0\charscalex100 \ul0\nosupersub\cf9\f10\fs24 1.\ul0\nosupersub\cf17\f18\fs24
\ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio\ul0\nosupersub\cf1\f2\fs24
(CAR) berpengaruh positif terhadap \ul0\nosupersub\cf9\f10\fs24 Return On \li
ne\tab \up0 \expndtw-4\charscalex100 Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) \pa
r\pard\li2628\sb0\sl-276\slmult0\par\pard\li2628\sb151\sl-276\slmult0\fi0\tx5361
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf9\f10\fs24 2.\ul0\nosupersub\cf1
7\f18\fs24 \ul0\nosupersub\cf9\f10\fs24 Non Performing Loan\tab \up0 \expndtw0
\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (NPL) berpengaruh negatif terhadap
\ul0\nosupersub\cf9\f10\fs24 Return On\par\pard\li2628\sb0\sl-276\slmult0\par\pa
rd\li2628\sb19\sl-276\slmult0\fi360 \up0 \expndtw0\charscalex100 Asset \ul0\nosu
persub\cf1\f2\fs24 (ROA).\par\pard\ql \li6112\sb0\sl-276\slmult0 \par\pard\ql\li
}
}}

}
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persub\cf9\f10\fs24 3.\ul0\nosupersub\cf17\f18\fs24 \ul0\nosupersub\cf1\f2\fs24
BOPO berpengaruh negatif terhadap \ul0\nosupersub\cf9\f10\fs24 Return On Asset
\ul0\nosupersub\cf1\f2\fs24 (ROA). \par\pard\ql \li2628\ri1486\sb230\sl-560\slm
ult0\tx2988 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf9\f10\fs24 4.\ul0\no
supersub\cf17\f18\fs24 \ul0\nosupersub\cf9\f10\fs24 Net Income Margin\ul0\nosu
persub\cf1\f2\fs24 (NIM) berpengaruh positif terhadap \ul0\nosupersub\cf9\f10\f
s24 Return On Asset \line\tab \up0 \expndtw-6\charscalex100 \ul0\nosupersub\cf1\
f2\fs24 (ROA). \par\pard\ql \li2628\ri1487\sb180\sl-560\slmult0\tx2988 \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf9\f10\fs24 5.\ul0\nosupersub\cf17\f18\fs2
4 \ul0\nosupersub\cf9\f10\fs24 Loan Deposit Ratio\ul0\nosupersub\cf1\f2\fs24
(LDR) berpengaruh positif terhadap \ul0\nosupersub\cf9\f10\fs24 Return On Asset
\line\tab \up0 \expndtw-6\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (ROA). \par\
pard\li2628\sb0\sl-276\slmult0\par\pard\li2628\sb154\sl-276\slmult0\fi0\tx8606\t
x9371 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf9\f10\fs24 6.\ul0\nosupers
ub\cf17\f18\fs24 \ul0\nosupersub\cf9\f10\fs24 Capital Adequacy Ratio\ul0\nosup
ersub\cf1\f2\fs24 (CAR), \ul0\nosupersub\cf9\f10\fs24 Non Performing Loan\tab \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (NPL)\tab \up0 \expndtw
-2\charscalex100 , BOPO,\par\pard\li2628\sb0\sl-276\slmult0\par\pard\li2628\sb3\
sl-276\slmult0\fi360 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf9\f10\fs24

Net Income Margin\ul0\nosupersub\cf1\f2\fs24 (NIM), \ul0\nosupersub\cf9\f10\fs2
4 Loan Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) berpengaruh secara\par\pa
rd\li2628\sb0\sl-276\slmult0\par\pard\li2628\sb19\sl-276\slmult0\fi360 \up0 \exp
ndtw-2\charscalex100 simultan terhadap \ul0\nosupersub\cf9\f10\fs24 Return On As
set \ul0\nosupersub\cf1\f2\fs24 (ROA).\par\pard\ql \li6112\sb0\sl-276\slmult0 \p
ar\pard\ql\li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb0\sl-276\slmult0 \par
\pard\ql\li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb0\sl-276\slmult0 \par\p
sl-276\slmult0 \par\pard\ql\li6112\sb0\sl-276\slmult0 \par\pard\ql\li6112\sb0\sl
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}
}}
}
x100 \ul0\nosupersub\cf4\f5\fs29 BAB III \par\pard\ql \li5076\sb0\sl-322\slmult0
\par\pard\ql\li5076\sb196\sl-322\slmult0 \up0 \expndtw-6\charscalex100 METODE P
ENELITIAN \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb0\sl-276
lmult0 \par\pard\ql\li2283\sb172\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf6\f7\fs24 3.1\ul0\nosupersub\cf19\f20\fs24 \ul0\nosupersub\cf6\
f7\fs24 Variabel Penelitian dan Definisi Operasional \par\pard\ql \li2283\sb0\
ex100 3.1.1\ul0\nosupersub\cf19\f20\fs24 \ul0\nosupersub\cf6\f7\fs24 Variabel P
enelitian \par\pard\ql \li2853\sb0\sl-276\slmult0 \par\pard\ql\li2853\sb208\sl-2
76\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Variabel ya
ng diteliti dalam penelitian ini adalah : \par\pard\ql \li2853\sb0\sl-276\slmult

0 \par\pard\ql\li2853\sb208\sl-276\slmult0 \up0 \expndtw-2\charscalex100 1.\ul0\
nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Variabel Dependent (Varia
bel Y) \par\pard\qj \li3213\ri1472\sb210\sl-560\slmult0 \up0 \expndtw0\charscale
x103 Adalah variabel yang menjelaskan atau mempengaruhi variabel yang \up0 \expn
dtw0\charscalex101 lain. Variabel yang dijelaskan/dipengaruhi oleh variabel in
dependen. \up0 \expndtw0\charscalex102 Variabel dalam penelitian ini adalah aspe
k profitabilitas yang diukur \up0 \expndtw-4\charscalex100 dengan ROA. \par\par
d\ql \li2853\sb0\sl-276\slmult0 \par\pard\ql\li2853\sb139\sl-276\slmult0 \up0 \e
xpndtw-4\charscalex100 2.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\f
s24 Variabel Independent (Variabel X) \par\pard\qj \li3213\ri1482\sb230\sl-560\
slmult0 \up0 \expndtw0\charscalex100 Adalah variabel yang diduga sebagai seba
b di variabel independen \line \up0 \expndtw0\charscalex100 dalam penelitian
ini yaitu \up0 \expndtw-1\charscalex100 : \ul0\nosupersub\cf9\f10\fs24 Capital
Adequacy Ratio \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (CAR
), \ul0\nosupersub\cf9\f10\fs24 Non \par\pard\qj \li3213\ri1478\sb0\sl-560\slmu
lt0 \up0 \expndtw-1\charscalex100 Performing Loan\ul0\nosupersub\cf1\f2\fs24 (N
PL), BOPO, \ul0\nosupersub\cf9\f10\fs24 Net Interest Margin\ul0\nosupersub\cf1\f
2\fs24 (NIM) dan \ul0\nosupersub\cf9\f10\fs24 Loan \up0 \expndtw-3\charscalex10
0 to Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR). \par\pard\ql \li6142\sb0\s
l-253\slmult0 \par\pard\ql\li6142\sb0\sl-253\slmult0 \par\pard\ql\li6142\sb0\sl253\slmult0 \par\pard\ql\li6142\sb0\sl-253\slmult0 \par\pard\ql\li6142\sb0\sl-25
slmult0 \par\pard\ql\li6142\sb0\sl-253\slmult0 \par\pard\ql\li6142\sb230\sl-253\
slmult0 \up0 \expndtw-6\charscalex100 \ul0\nosupersub\cf15\f16\fs22 47 \par\pard
\sect\sectd\fs24\paperw11900\paperh16840{\shp
z-10000\shplid63
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b0\sl-240{\bkmkstart Pg64}{\bkmkend Pg64}\par\pard\ql \li10002\sb0\sl-253\slmult
0 \par\pard\ql\li10002\sb198\sl-253\slmult0 \up0 \expndtw-6\charscalex100 \ul0\n
osupersub\cf15\f16\fs22 48 \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\
2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb244\sl-276\slmult0 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.1.2\ul0\nosupersub\cf19\f20\fs24 \
ul0\nosupersub\cf6\f7\fs24 Definisi Operasional \par\pard\ql \li2283\sb0\sl-27
3.1.2.1\ul0\nosupersub\cf19\f20\fs24 \ul0\nosupersub\cf8\f9\fs24 Return on Ass
ets\ul0\nosupersub\cf6\f7\fs24 (ROA) \par\pard\qj \li2283\ri1714\sb230\sl-560\s
lmult0\fi720 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 ROA adala
h perbandingan antara laba sebelum pajak dengan total aktiva \up0 \expndtw-3\cha
rscalex100 bank. Menurut Bank Indonesia, perhitungan ROA sebagai berikut : \par\
pard\ql \li6262\sb0\sl-276\slmult0 \par\pard\ql\li6262\sb0\sl-276\slmult0 \par\p
ard\ql\li6262\sb223\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \u8230?\u8230?\
u8230?.....\u8230?.(1) \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li22
83\sb68\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24
3.1.2.2\ul0\nosupersub\cf19\f20\fs24 \ul0\nosupersub\cf8\f9\fs24 Capital Adequ
acy Ratio\ul0\nosupersub\cf6\f7\fs24 (CAR) \par\pard\qj \li2283\ri1490\sb236\sl
-553\slmult0\fi720 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 CAR

adalah rasio kinerja bank untuk mengukur kecukupan modal yang \up0 \expndtw0\cha
rscalex100 dimiliki bank untuk menunjang aktiva yang mengandung atau mengha
silkan \up0 \expndtw0\charscalex100 risiko, misalnya kredit yang diberikan. (Den
dawijaya, 2000). Rasio CAR dapat \up0 \expndtw-3\charscalex100 dirumuskan sebaga
i berikut : \par\pard\ql \li6773\sb0\sl-253\slmult0 \par\pard\ql\li6773\sb242\sl
-253\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf15\f16\fs22 \u8230?
\u8230?\u8230?\u8230?\u8230?\u8230?. (2) \par\pard\ql \li2283\sb0\sl-276\slmult0
\up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.1.2.3\ul0\nosupersub
\cf19\f20\fs24 \ul0\nosupersub\cf8\f9\fs24 Non Performing Loan\ul0\nosupersub\c
f6\f7\fs24 (NPL) \par\pard\qj \li2283\ri1468\sb230\sl-560\slmult0\fi720 \up0 \e
xpndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 NPL merupakan rasio yang menu
njukkan bahwa kemampuan manajemen \up0 \expndtw0\charscalex103 bank dalam mengel
ola kredit bermasalah yang diberikan oleh bank. Rasio ini \up0 \expndtw-3\charsc
alex100 dapat dikur menggunakan rumus : (Mawardi, 2005) \par\pard\ql \li6007\sb0
\sl-253\slmult0 \par\pard\ql\li6007\sb221\sl-253\slmult0\tx6907 \up0 \expndtw-5\
charscalex100 \ul0\nosupersub\cf15\f16\fs22 ..\u8230?\u8230?... \tab \up0 \expnd
tw-6\charscalex100 ..\u8230?\u8230?\u8230?\u8230?\u8230?. (3) \par\pard\ql \li61
\sl-276\slmult0 \par\pard\ql\li6127\sb136\sl-276\slmult0 \up0 \expndtw-3\charsca
lex100 \ul0\nosupersub\cf1\f2\fs24 48 \par\pard\sect\sectd\fs24\paperw11900\pape
rh16840{\shp
z-10000\shplid64
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2ffa2f9fb7ff00fe1d3fd9d7ff00a1568ff882a7fe0965ff0045f3f6ff00ff00c3a7fb3aff00f42a
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2c7fc11f3fe17d7fc33478fbf680f1c7fc3447fc2aeff84d7fe17a78abe1d789bfb2ff00e1527fc2
c5ff00846ffe116ff8403e157c32fb17db7fe166ebdfdb7fdadfdb7f69fb2691f60fecdfb3de7dbf
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00a28a2800a28a2800a28a2800a28a2800a28a2803ffd9}}}}}\pard\sb0\sl-240{\bkmkstart P
2 49 \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb0\sl-276\slmu
supersub\cf6\f7\fs24 3.1.2.4\ul0\nosupersub\cf19\f20\fs24 \ul0\nosupersub\cf6\f
7\fs24 BOPO \par\pard\qj \li2283\ri1875\sb210\sl-560\slmult0\fi720 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 BOPO merupakan rasio biaya operasio
nal, adalah perbandingan antara \up0 \expndtw-2\charscalex100 biaya operasional
dan pendapatan operasional. (Dendawijaya, 2000). Rasio ini \up0 \expndtw-3\chars
calex100 dapat dirumuskan sebagai berikut : \par\pard\ql \li6743\sb0\sl-253\slmu
lt0 \par\pard\ql\li6743\sb241\sl-253\slmult0 \up0 \expndtw-5\charscalex100 \ul0\
nosupersub\cf15\f16\fs22 \u8230?.....\u8230?\u8230?\u8230?(4) \par\pard\ql \li22
3.1.2.5 \ul0\nosupersub\cf8\f9\fs24 Net Interest Margin \ul0\nosupersub\cf6\f7
\fs24 (NIM) \par\pard\qj \li2283\ri1727\sb230\sl-560\slmult0\fi720 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 NIM yaitu rasio antara pendapatan b
unga bersih dengan aktiva produktif \up0 \expndtw-3\charscalex100 suatu bank. NI
M dapat dihitung menggunakan rumus : (Almilia, 2005) \par\pard\ql \li6532\sb255\
sl-276\slmult0 \up0 \expndtw-3\charscalex100 \u8230?\u8230?\u8230?\u8230?\u8230?
\u8230?.(5) \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb0\sl-2

\ul0\nosupersub\cf6\f7\fs24 3.1.2.6 \ul0\nosupersub\cf8\f9\fs24 Loan to Deposi
t Ratio \ul0\nosupersub\cf6\f7\fs24 (LDR) \par\pard\qj \li2283\ri1505\sb230\sl-5
60\slmult0\fi720 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 LDR m
erupakan rasio yang digunakan untuk mengukur tingkat likuiditas \up0 \expndtw0\c
harscalex100 bank yang menunjukkan kemampuan bank untuk memenuhi permintaan kred
it \up0 \expndtw-2\charscalex100 dengan menggunakan total asset yang dimiliki ba
nk. (Dendawijaya, 2000). Rasio \up0 \expndtw-5\charscalex100 ini dapat dirumuska
n sebagai berikut : \par\pard\ql \li6863\sb0\sl-276\slmult0 \par\pard\ql\li6863\
sb179\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \u8230?\u8230?\u8230?\u8230?\
u8230?\u8230?(6) \par\pard\qj \li2283\ri1505\sb406\sl-540\slmult0\fi720 \up0 \ex
pndtw-3\charscalex100 Definisi operasional tersebut diatas dapat diringkas dalam
suatu Tabel 3.1 \up0 \expndtw-4\charscalex100 berikut ini : \par\pard\ql \li612
0\sl-276\slmult0 \par\pard\ql\li6127\sb219\sl-276\slmult0 \up0 \expndtw-3\charsc
alex100 49 \par\pard\sect\sectd\fs24\paperw11900\paperh16840{\shp
z-10000\shplid65
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01010101010101010101010101010101010101010101010101010101010101010101010101010101
010101010101010101ffdb0043010101010101010101010101010101010101010101010101010101
0101010101010101010101010101010101010101010101010101010101010101010101010101ffc0
00110803e702c203012200021101031101ffc4001f00000105010101010101000000000000000001
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05145140051451400514514005145140057e0acdff002b4069ff00f6815d63ff005e13a1d7ef557e
0acdff002b4069ff00f6815d63ff005e13a1d007ef55145140051451401e7ff167fe495fc4bffb27
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e82359fdb4bf69cd64691e25d10ccda4eb9a5ff6c7c4bbff00ecad674e6b899ac35ad2fec5ac5819
243637f6c64937fef1d1401f881ff10f7ffc13c3fe7e7f6bff00fc4ebfdad3ff009ed51ff10f7ffc
13c3fe7e7f6bff00fc4ebfdad3ff009ed57edfd1401f881ff10f7ffc13c3fe7e7f6bff00fc4ebfda
d3ff009ed51ff10f7ffc13c3fe7e7f6bff00fc4ebfdad3ff009ed57edfd1401f881ff10f7ffc13c3
fe7e7f6bff00fc4ebfdad3ff009ed51ff10f7ffc13c3fe7e7f6bff00fc4ebfdad3ff009ed57edfd1
401f881ff10f7ffc13c3fe7e7f6bff00fc4ebfdad3ff009ed51ff10f7ffc13c3fe7e7f6bff00fc4e
bfdad3ff009ed57edfd1401f835ac7fc1b7dff0004caf106b5e18f116b3a57ed4baa6b3e0dbad42f
7c31a96a3fb68fed37a8ea3a15dea967f60beb8d1752d43e255d6a5a24f736bb62b89f45bcd3a7ba
8916deee4b8b6cc07a6ff887bffe09e1ff003f3fb5ff00fe275fed69ff00cf6abf6fe8a00fc40ff8
87bffe09e1ff003f3fb5ff00fe275fed69ff00cf6a8ff887bffe09e1ff003f3fb5ff00fe275fed69
ff00cf6abf6fe8a00fc40ff887bffe09e1ff003f3fb5ff00fe275fed69ff00cf6a8ff887bffe09e1
ff003f3fb5ff00fe275fed69ff00cf6abf6fe8a00fc40ff887bffe09e1ff003f3fb5ff00fe275fed
69ff00cf6a8ff887bffe09e1ff003f3fb5ff00fe275fed69ff00cf6abf6fe8a00fc40ff887bffe09
e1ff003f3fb5ff00fe275fed69ff00cf6a8ff887bffe09e1ff003f3fb5ff00fe275fed69ff00cf6a
bf6fe8a00fc40ff887bffe09e1ff003f3fb5ff00fe275fed69ff00cf6a8ff887bffe09e1ff003f3f
b5ff00fe275fed69ff00cf6abf6fe8a00fc40ff887bffe09e1ff003f3fb5ff00fe275fed69ff00cf
6a8ff887bffe09e1ff003f3fb5ff00fe275fed69ff00cf6abf6fe8a00fc40ff887bffe09e1ff003f
3fb5ff00fe275fed69ff00cf6a8ff887bffe09e1ff003f3fb5ff00fe275fed69ff00cf6abf6fe8a0
0fc40ff887bffe09e1ff003f3fb5ff00fe275fed69ff00cf6ab9bff88703fe0997ff000980f1f7f6
5fed4dff000988f0d1f080f12ffc3697ed39ff000908f0d36a835a6d0c788bfe165ffc2403463aa2
adf9d17fb53fb1cdf28be361f6d02e2bf78e8a00fc40ff00887bff00e09e1ff3f3fb5fff00e275fe
d69ffcf6a8ff00887bff00e09e1ff3f3fb5fff00e275fed69ffcf6abf6fe8a00fc40ff00887bff00
e09e1ff3f3fb5fff00e275fed69ffcf6a8ff00887bff00e09e1ff3f3fb5fff00e275fed69ffcf6ab
f6fe8a00fc3c9bfe0de9ff008275dc432dbdc3fed773dbcf1c90cf04dfb747ed652c33432a949629
627f8b2c924722332491ba957525581048ac2f0a7fc1b89ff04d0f03f87b4cf0af8534ff00daa740
f0fe8f0c9069ba3e87fb6a7ed3da0e956514b7135d4a967a4685f12f4cd26c924b89e699e3b2b0b6
8de69649990cb248edfbc145007e207fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b547fc4
3dff00f04f0ff9f9fdafff00f13aff006b4ffe7b55fb7f45007e207fc43dff00f04f0ff9f9fdafff
00f13aff006b4ffe7b547fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b55fb7f45007e207f
c43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b547fc43dff00f04f0ff9f9fdafff00f13aff00
6b4ffe7b55fb7f45007e207fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b547fc43dff00f0
4f0ff9f9fdafff00f13aff006b4ffe7b55fb7f45007e207fc43dff00f04f0ff9f9fdafff00f13aff
006b4ffe7b547fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b55fb7f45007e207fc43dff00
f04f0ff9f9fdafff00f13aff006b4ffe7b547fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b
55fb7f45007e207fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b547fc43dff00f04f0ff9f9
fdafff00f13aff006b4ffe7b55fb7f45007e207fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe
7b547fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b55fb7f45007e207fc43dff00f04f0ff9
f9fdafff00f13aff006b4ffe7b547fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b55fb7f45
007e207fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b547fc43dff00f04f0ff9f9fdafff00
f13aff006b4ffe7b55fb7f45007e207fc43dff00f04f0ff9f9fdafff00f13aff006b4ffe7b558dac
ff00c1b9dff04d4f10b68835fd37f6a2d7edb40f14786fc5b65a7788ff006cbfda5bc4da53eade16
d5ed759d35e7d33c45f11f55b123ed368b1b5cc1041a9dac52c92e97a869f7c21bc87f7628a0028a
28a0028a28a00fffd9}}}}}\pard\sb0\sl-240{\bkmkstart Pg66}{\bkmkend Pg66}\par\pard
\ql \li10002\sb0\sl-253\slmult0 \par\pard\ql\li10002\sb198\sl-253\slmult0 \up0 \
expndtw-6\charscalex100 \ul0\nosupersub\cf15\f16\fs22 50 \par\pard\ql \li5782\sb
sl-276\slmult0 \par\pard\ql\li5782\sb0\sl-276\slmult0 \par\pard\ql\li5782\sb224\
sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 Tabel 3
.1 \par\pard\ql \li5196\sb0\sl-276\slmult0 \par\pard\ql\li5196\sb68\sl-276\slmul
t0 \up0 \expndtw-3\charscalex100 Definisi Operasional \par\pard\li2448\sb0\sl-27
6\slmult0\par\pard\li2448\sb81\sl-276\slmult0\fi0\tx3108\tx4746\tx6517\tx8110 \d
n3 \expndtw-4\charscalex100 \ul0\nosupersub\cf1\f2\fs24 No\tab \dn3 \expndtw-4\c
harscalex100 Variabel\tab \dn3 \expndtw-4\charscalex100 Pengertian\tab \up0 \exp
ndtw-4\charscalex100 \ul0\nosupersub\cf15\f16\fs22 Skala\tab \dn3 \expndtw-4\cha
rscalex100 \ul0\nosupersub\cf1\f2\fs24 Pengukuran\par\pard\li2388\sb0\sl-218\slm
ult0\par\pard\li2388\sb0\sl-218\slmult0\par\pard\li2388\sb57\sl-218\slmult0\fi0\
tx3033\tx4235\tx5075\tx5959\tx6502 \up0 \expndtw0\charscalex100 \ul0\nosupersub\
cf18\f19\fs19 1.\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf21\f22\fs19
Return On\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf18\f19\fs19 Rasio
\tab \up0 \expndtw0\charscalex100 antara\tab \up0 \expndtw0\charscalex100 laba\t
ab \up0 \expndtw0\charscalex100 Rasio\par\pard\li2388\sb7\sl-218\slmult0\fi645\t
x4235 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf21\f22\fs19 Asset\tab \up0
\expndtw0\charscalex100 \ul0\nosupersub\cf18\f19\fs19 sebelum pajak terhadap\p
ar\pard\li2388\sb22\sl-218\slmult0\fi645\tx4235 \up0 \expndtw0\charscalex100 (RO
A).\tab \up0 \expndtw0\charscalex100 total asset\par\pard\ql \li7254\sb83\sl-218
\slmult0 \up0 \expndtw0\charscalex100 Direktori, Bank Indonesia \par\pard\li2388
\sb0\sl-218\slmult0\par\pard\li2388\sb134\sl-218\slmult0\fi0\tx3033\tx4235\tx580
8\tx6502 \up0 \expndtw0\charscalex101 2.\tab \up0 \expndtw0\charscalex101 \ul0\n
osupersub\cf21\f22\fs19 Capital\tab \up0 \expndtw0\charscalex101 \ul0\nosupersub
\cf18\f19\fs19 Perbandingan\tab \up0 \expndtw0\charscalex101 antara\tab \up0 \ex
pndtw0\charscalex101 Rasio\par\pard\li2388\sb7\sl-218\slmult0\fi645\tx4235 \up0
\expndtw0\charscalex101 \ul0\nosupersub\cf21\f22\fs19 Adequacy\tab \up0 \expndtw
0\charscalex101 \ul0\nosupersub\cf18\f19\fs19 jumlah minimum yang\par\pard\li
2388\sb7\sl-218\slmult0\fi645\tx4235 \up0 \expndtw0\charscalex101 \ul0\nosupersu
b\cf21\f22\fs19 Ratio\tab \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf18\f19\
fs19 harus dimiliki oleh bank\par\pard\li2388\sb22\sl-218\slmult0\fi645\tx4235\t
x5811 \up0 \expndtw0\charscalex101 (CAR)\tab \up0 \expndtw0\charscalex101 terhad

ap\tab \up0 \expndtw0\charscalex101 aktiva\par\pard\li2388\sb8\sl-218\slmult0\fi
1847\tx5629 \up0 \expndtw-1\charscalex100 tertimbang\tab \up0 \expndtw-1\charsca
lex100 menurut\par\pard\li2388\sb7\sl-218\slmult0\fi1847\tx7254 \up2 \expndtw-1\
charscalex100 risiko (ATMR)\tab \dn3 \expndtw-1\charscalex100 Direktori, Dendawi
jaya\par\pard\li2388\sb0\sl-218\slmult0\par\pard\li2388\sb74\sl-218\slmult0\fi0\
tx3033\tx4235\tx6502 \up0 \expndtw-1\charscalex100 3.\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf21\f22\fs19 Non\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf18\f19\fs19 Perbandingan antara total\tab \up0 \expndtw-1\charscal
ex100 Rasio\par\pard\li2388\sb8\sl-218\slmult0\fi645\tx4235\tx5360 \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf21\f22\fs19 Performing\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf18\f19\fs19 kredit\tab \up0 \expndtw-1\charscalex1
00 bermasalah\par\pard\li2388\sb22\sl-218\slmult0\fi645\tx4235 \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf21\f22\fs19 Loan\ul0\nosupersub\cf18\f19\fs19 (N
PL)\tab \up0 \expndtw-1\charscalex100 terhadap total kredit yang\par\pard\ql \li
4235\sb0\sl-212\slmult0 \up0 \expndtw-2\charscalex100 diberikan \par\pard\li2388
\sb186\sl-218\slmult0\fi4866 \up0 \expndtw0\charscalex100 Direktori, Mawardi\par
\pard\li2388\sb218\sl-218\slmult0\fi0\tx3033\tx4235\tx6502 \up0 \expndtw0\charsc
alex100 4.\tab \up0 \expndtw0\charscalex100 BOPO\tab \up0 \expndtw0\charscalex10
0 Perbandingan total beban\tab \up0 \expndtw0\charscalex100 Rasio\par\pard\li423
5\sb22\sl-218\slmult0\fi0 \up0 \expndtw0\charscalex101 operasional dengan total
\par\pard\li4235\sb7\sl-218\slmult0\fi0 \up0 \expndtw0\charscalex101 pendapatan
operasional\par\pard\li2388\sb0\sl-218\slmult0\par\pard\li2388\sb0\sl-218\slmult
0\par\pard\li2388\sb157\sl-218\slmult0\fi4866 \up0 \expndtw-1\charscalex100 Dire
ktori, Dendawijaya\par\pard\li2388\sb217\sl-218\slmult0\fi0\tx3033\tx4235\tx5808
\tx6502 \up0 \expndtw-1\charscalex100 5.\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf21\f22\fs19 Net Interest\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf18\f19\fs19 Perbandingan\tab \up0 \expndtw-1\charscalex100 bunga\tab \
up0 \expndtw-1\charscalex100 Rasio\par\pard\li2388\sb22\sl-218\slmult0\fi645\tx4
235 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf21\f22\fs19 Margin\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf18\f19\fs19 bersih dengan
rata-ra
ta\par\pard\li2388\sb8\sl-218\slmult0\fi645\tx4235 \up0 \expndtw-1\charscalex100
(NIM)\tab \up0 \expndtw-1\charscalex100 aktifa produktif\par\pard\li2388\sb0\sl
-218\slmult0\par\pard\li2388\sb0\sl-218\slmult0\par\pard\li2388\sb51\sl-218\slmu
lt0\fi4866 \up0 \expndtw0\charscalex100 Direktori, Almilia\par\pard\li2388\sb0\s
l-218\slmult0\par\pard\li2388\sb14\sl-218\slmult0\fi0\tx3033\tx4235\tx6502 \up0
\expndtw0\charscalex100 6.\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf21
\f22\fs19 Loan to\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf18\f19\fs19
Perbandingan antara total\tab \up0 \expndtw0\charscalex100 Rasio\par\pard\li238
8\sb7\sl-218\slmult0\fi645\tx4235 \up0 \expndtw0\charscalex100 \ul0\nosupersub\c
f21\f22\fs19 Deposit\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf18\f19\f
s19 kredit dengan dana pihak\par\pard\li2388\sb7\sl-218\slmult0\fi645\tx4235 \up
0 \expndtw0\charscalex100 \ul0\nosupersub\cf21\f22\fs19 Ratio\tab \up0 \expndtw0
\charscalex100 \ul0\nosupersub\cf18\f19\fs19 ketiga\par\pard\ql \li3033\sb22\sl218\slmult0 \up0 \expndtw-1\charscalex100 (LDR) \par\pard\ql \li7254\sb0\sl-218\
slmult0 \par\pard\ql\li7254\sb84\sl-218\slmult0 \up0 \expndtw-1\charscalex100 Di
rektori, Dendawijaya \par\pard\ql \li2283\sb195\sl-276\slmult0 \up0 \expndtw-3\c
harscalex100 \ul0\nosupersub\cf1\f2\fs24 Sumber : Dendawijaya (2000), Mawardi (2
005), Almilia (2005) . \par\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard\ql\li61
\sb256\sl-276\slmult0 \up0 \expndtw-3\charscalex100 50 \par\pard\sect\sectd\fs24
\paperw11900\paperh16840\pard\sb0\sl-240{\bkmkstart Pg67}{\bkmkend Pg67}\par\par
d\ql \li10002\sb0\sl-253\slmult0 \par\pard\ql\li10002\sb198\sl-253\slmult0 \up0
\expndtw-6\charscalex100 \ul0\nosupersub\cf15\f16\fs22 51 \par\pard\ql \li2343\s
\sl-276\slmult0 \par\pard\ql\li2343\sb0\sl-276\slmult0 \par\pard\ql\li2343\sb224
\sl-276\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.2\ul
0\nosupersub\cf19\f20\fs24 \ul0\nosupersub\cf6\f7\fs24
Populasi dan Sampel \
par\pard\ql \li2853\sb184\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf1\f2\fs24 Populasi dalam penelitian ini adalah perusahaan-perusahaan pe
rbankan yang \par\pard\qj \li2283\ri1481\sb50\sl-560\slmult0 \up0 \expndtw0\char

scalex104 tercatat di Bursa Efek Indonesia (BEI) dalam kurun waktu (tahun 2005-2
009). \line \up0 \expndtw0\charscalex104 Jumlah populasi dalam penelitian in
i adalah sebanyak \up0 \expndtw0\charscalex104 28 buah. Teknik \par\pard\qj
\li2283\ri1481\sb0\sl-556\slmult0 \up0 \expndtw-2\charscalex100 pengambilan samp
el dilakukan melalui metode purposive sampling dengan tujuan \up0 \expndtw0\char
scalex103 untuk mendapatkan sampel yang sesuai dengan tujuan penelitian.
Menurut \up0 \expndtw0\charscalex102 Sugiyono dalam Almilia dan Herdiningtyas (2
005) metode purposive sampling \up0 \expndtw0\charscalex100 merupakan metode pen
gambilan sampel yang didasarkan pada beberapa kriteria \up0 \expndtw0\charscalex
100 atau pertimbangan tertentu . Kriteria saham-saham yang dipilih dalam penelit
ian \up0 \expndtw-3\charscalex100 untuk dijadikan sampel penelitian yaitu \par\p
ard\qj \li2913\ri1487\sb149\sl-580\slmult0 \up0 \expndtw0\charscalex100 Tersedia
nya data laporan keuangan selama kurun waktu penelitian (tahun \up0 \expndtw-2\c
harscalex100 2005-2009) \par\pard\ql \li2913\sb0\sl-276\slmult0 \par\pard\ql\li2
913\sb116\sl-276\slmult0\tx9972 \up0 \expndtw0\charscalex102 Berdasarkan kriter
ia tersebut maka jumlah sampel yang tersedia \tab \up0 \expndtw-3\charscal
ex100 28 \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb8\sl-276\
slmult0\tx9972 \up0 \expndtw0\charscalex105 perusahaan perbankan namun diguna
kan dalam penelitian ini adalah \tab \up0 \expndtw-3\charscalex100 20 \par\p
ard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb8\sl-276\slmult0 \up0 \e
xpndtw-3\charscalex100 perusahaan. Sampel dalam penelitian ini dapat dilihat pad
a Tabel 3.2 \par\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb0\sl-2
r\pard\ql\li6127\sb88\sl-276\slmult0 \up0 \expndtw-3\charscalex100 51
}
}}
}
2 52 \par\pard\qj \li5632\sb0\sl-620\slmult0 \par\pard\qj\li5632\sb0\sl-620\slmu
lt0 \par\pard\qj\li5632\ri4816\sb544\sl-620\slmult0\fi150 \up0 \expndtw-3\charsc
alex100 \ul0\nosupersub\cf6\f7\fs24 Tabel 3.2 \line \up0 \expndtw-4\charscalex10
0 Daftar bank \par\pard\li2613\sb0\sl-276\slmult0\par\pard\li2613\sb33\sl-276\sl

mult0\fi0\tx5166\tx8651 \up0 \expndtw-3\charscalex100 No\tab \up0 \expndtw-3\cha
rscalex100 Emiten\tab \up0 \expndtw-3\charscalex100 Listing\par\pard\li2613\sb54
\sl-276\slmult0\fi435\tx3378\tx7915 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf1\f2\fs24 1\tab \up0 \expndtw-3\charscalex100 PT Bank Artha Graha Internasio
nal Tbk\tab \up0 \expndtw-3\charscalex100 23 Agustus 1990\par\pard\li2613\sb24\s
l-276\slmult0\fi435\tx3378\tx7915 \up0 \expndtw-3\charscalex100 2\tab \up0 \expn
dtw-3\charscalex100 PT Bank Central Asia Tbk\tab \up0 \expndtw-3\charscalex100 3
1 Mei 2000\par\pard\li2613\sb40\sl-276\slmult0\fi435\tx3439\tx7915 \up0 \expndtw
-3\charscalex100 3\tab \up0 \expndtw-3\charscalex100 PT. BANK CIMB NIAGA\tab \up
0 \expndtw-3\charscalex100 29 Nop 1989\par\pard\li2613\sb39\sl-276\slmult0\fi435
\tx3378\tx7915 \up0 \expndtw-3\charscalex100 4\tab \up0 \expndtw-3\charscalex100
PT. Bank Danamon Indonesia Tbk.\tab \up0 \expndtw-3\charscalex100 06 Desember 1
989\par\pard\li2613\sb24\sl-276\slmult0\fi435\tx3378\tx7915 \up0 \expndtw-3\char
scalex100 5\tab \up0 \expndtw-3\charscalex100 PT. Bank Eksekutif Internasional T
bk.\tab \up0 \expndtw-3\charscalex100 13 Juli 2001\par\pard\li2613\sb39\sl-276\s
lmult0\fi435\tx3378\tx7915 \up0 \expndtw-3\charscalex100 6\tab \up0 \expndtw-3\c
harscalex100 PT. Bank Bumiputera Indonesia Tbk\tab \up0 \expndtw-3\charscalex100
15 Juli 2002\par\pard\li2613\sb40\sl-276\slmult0\fi435\tx3378\tx7915 \up0 \expn
dtw-3\charscalex100 7\tab \up0 \expndtw-3\charscalex100 PT. Bank Internasional I
ndonesia Tbk.\tab \up0 \expndtw-3\charscalex100 21 November 1989\par\pard\li2613
\sb24\sl-276\slmult0\fi435\tx3378\tx7915 \up0 \expndtw-3\charscalex100 8\tab \up
0 \expndtw-3\charscalex100 PT. Bank Kesawan Tbk.\tab \up0 \expndtw-3\charscalex1
00 21 November 2002\par\pard\li2613\sb39\sl-276\slmult0\fi435\tx3378\tx7915 \up0
\expndtw-3\charscalex100 9\tab \up0 \expndtw-3\charscalex100 PT. Bank Mandiri T
bk.\tab \up0 \expndtw-3\charscalex100 14 Juli 2003\par\pard\li2613\sb39\sl-276\s
lmult0\fi315\tx3378\tx7915 \up0 \expndtw-3\charscalex100 10\tab \up0 \expndtw-3\
charscalex100 PT. Bank Mayapada Internasional Tbk.\tab \up0 \expndtw-3\charscale
x100 29 Agustus 1997\par\pard\li2613\sb25\sl-276\slmult0\fi315\tx3378\tx7915 \up
0 \expndtw-3\charscalex100 11\tab \up0 \expndtw-3\charscalex100 PT. Bank Mega Tb
k.\tab \up0 \expndtw-3\charscalex100 17 April 2000\par\pard\li2613\sb39\sl-276\s
lmult0\fi315\tx3378\tx7915 \up0 \expndtw-3\charscalex100 12\tab \up0 \expndtw-3\
charscalex100 PT. Bank Negara Indonesia (Persero) Tbk.\tab \up0 \expndtw-3\chars
calex100 25 November 1996\par\pard\li2613\sb39\sl-276\slmult0\fi315\tx3378\tx791
5 \up0 \expndtw-3\charscalex100 13\tab \up0 \expndtw-3\charscalex100 PT. Bank Nu
santara Parahyangan Tbk.\tab \up0 \expndtw-3\charscalex100 10 Januari 2001\par\p
ard\li2613\sb25\sl-276\slmult0\fi315\tx3378\tx7915 \up0 \expndtw-3\charscalex100
14\tab \up0 \expndtw-3\charscalex100 PT. Bank OCBC NISP Tbk.\tab \up0 \expndtw3\charscalex100 20 Oktober 1994\par\pard\li2613\sb39\sl-276\slmult0\fi315\tx3378
\tx7915 \up0 \expndtw-3\charscalex100 15\tab \up0 \expndtw-3\charscalex100 PT. P
anin Bank Tbk. (Bank Pan Indonesia)\tab \up0 \expndtw-3\charscalex100 29 Desembe
r 1982\par\pard\li2613\sb39\sl-276\slmult0\fi315\tx3378\tx7915 \up0 \expndtw-3\c
harscalex100 16\tab \up0 \expndtw-3\charscalex100 PT. Bank Permata Tbk.\tab \up0
\expndtw-3\charscalex100 15 Januari 1990\par\pard\li2613\sb24\sl-276\slmult0\fi
315\tx3378\tx7915 \up0 \expndtw-3\charscalex100 17\tab \up0 \expndtw-3\charscale
x100 PT. Bank Rakyat Indonesia (Persero)\tab \up0 \expndtw-3\charscalex100 10 No
vember 2003\par\pard\li2613\sb40\sl-276\slmult0\fi315\tx3378\tx7915 \up0 \expndt
w-3\charscalex100 18\tab \up0 \expndtw-3\charscalex100 PT. Bank Swadesi Tbk.\tab
\up0 \expndtw-3\charscalex100 01 Mei 2002\par\pard\li2613\sb39\sl-276\slmult0\f
i315\tx3378\tx7915 \up0 \expndtw-3\charscalex100 19\tab \up0 \expndtw-3\charscal
ex100 PT. Bank Victoria International Tbk.\tab \up0 \expndtw-3\charscalex100 30
Juli 1999\par\pard\li2613\sb39\sl-276\slmult0\fi315\tx3378\tx7915 \up0 \expndtw3\charscalex100 20\tab \up0 \expndtw-3\charscalex100 PT Bank Ekonomi Raharja Tbk
.\tab \up0 \expndtw-3\charscalex100 08 September 1989\par\pard\ql \li2283\sb9\sl
-253\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf15\f16\fs22 Sumber
: Diretori Perbankan Indonesia \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard
\ql\li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb76\sl-276\slmult0 \up0 \expn
dtw0\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.3\ul0\nosupersub\cf19\f20\fs24
\ul0\nosupersub\cf6\f7\fs24 Jenis dan Sumber Data \par\pard\ql \li2853\sb183\
sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf15\f16\fs22 Data
yang digunakan dalam penelitian ini adalah data sekunder berupa data kinerja \pa
r\pard\ql \li2283\sb268\sl-276\slmult0\tx8966 \up0 \expndtw-1\charscalex100 keua
ngan perusahaan yang meliputi data \ul0\nosupersub\cf9\f10\fs24 Capital Ad
equacy Ratio \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (CA
R), \ul0\nosupersub\cf9\f10\fs24 Non \par\pard\qj \li2283\ri1496\sb46\sl-540\sl
mult0 \up0 \expndtw0\charscalex100 Performing Loan\ul0\nosupersub\cf1\f2\fs24 (
NPL), BOPO, \ul0\nosupersub\cf9\f10\fs24 Net Interest Margin\ul0\nosupersub\cf1\
f2\fs24 (NIM) dan \ul0\nosupersub\cf9\f10\fs24 Loan to Deposit \line \up0 \expn
dtw-1\charscalex100 Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) dan \ul0\nosupersub\
cf9\f10\fs24 Return On Asset\ul0\nosupersub\cf1\f2\fs24 (ROA). \ul0\nosupersub\
cf15\f16\fs22 Data yang digunakan dalam penelitian ini \line \up0 \expndtw-1\cha
rscalex100 diperoleh dari Direktori Perbankan Indonesia dan Infobank
tahun
2005-2008 yang \par\pard\ql \li2283\sb238\sl-253\slmult0 \up0 \expndtw-5\charsca
lex100 terdaftar dalam Bursa Efek Indonesia serta Infobank tahun 2009. \par\pard
\ql \li6127\sb28\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
1\f2\fs24 52
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}
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.4\ul0\nosupersub\cf1
9\f20\fs24 \ul0\nosupersub\cf6\f7\fs24 Metoda Pengumpulan Data \par\pard\qj \
li2283\ri1454\sb210\sl-536\slmult0\fi720 \up0 \expndtw0\charscalex100 \ul0\nosup

ersub\cf15\f16\fs22 Pengumpulan data dalam penelitian ini dilakukan dengan cara
non participant \up0 \expndtw-2\charscalex100 observation yaitu dengan mengkaji
buku-buku, jurnal dan makalah untuk dapat landasan \up0 \expndtw-1\charscalex100
teoritis yang komprehensif serta eksplorasi laporan keuangan dari bank berupa l
aporan \up0 \expndtw0\charscalex100 neraca,laba rugi dan kualitas aktifa produkt
if.\ul0\nosupersub\cf1\f2\fs24 Data diperoleh dengan cara mengutip \up0 \expndt
w0\charscalex100 langsung dari Direktori Perbankan Indonesia selama 4 tahun bert
urut-turut yaitu \up0 \expndtw-3\charscalex100 dari tahun 2005 hingga tahun 2008
dan Infobank pada tahun 2009. \par\pard\li2283\sb0\sl-276\slmult0\par\pard\li22
83\sb159\sl-276\slmult0\fi0\tx2988 \up0 \expndtw-3\charscalex100 \ul0\nosupersub
\cf6\f7\fs24 3.5\tab \up0 \expndtw-3\charscalex100 Metode Analisis\par\pard\qj \
li2283\ri1463\sb217\sl-556\slmult0\fi705 \up0 \expndtw0\charscalex100 \ul0\nosup
ersub\cf1\f2\fs24 Analisis data mempuyai tujuan untuk menyampaikan dan mem
batasi \line \up0 \expndtw0\charscalex102 penemuan-penemuan hingga menjadi data
yang teratur serta tersusun dan lebih \line \up0 \expndtw0\charscalex100 berarti
(Marzuki, 2000). Analisis data yang dilakukan adalah analisis kuantitatif \line
\up0 \expndtw0\charscalex100 yang dinyatakan dengan angka-angka dan perhitungan
nya menggunakan metode \line \up0 \expndtw-2\charscalex100 standart yang dibantu
dengan program \ul0\nosupersub\cf9\f10\fs24 Statistical Package Social Sciences
\ul0\nosupersub\cf1\f2\fs24 (SPSS) \line \up0 \expndtw0\charscalex103 versi. An
alisis data yang digunakan dalam penelitian ini adalah analisis regresi \line \u
p0 \expndtw-2\charscalex100 linear berganda yang sebelumnya dilakukan uji dan lo
los dari uji asumsi klasik. \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql
\li2283\sb140\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f
7\fs24 3.5.1\ul0\nosupersub\cf19\f20\fs24 \ul0\nosupersub\cf6\f7\fs24 Uji Sta
tistik Deskriptif \par\pard\qj \li2283\ri1482\sb38\sl-550\slmult0\fi720 \up0 \ex
pndtw0\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Statistik deskriptif digunaka
n untuk mendeskripsikan variabel-variabel \line \up0 \expndtw-2\charscalex100
dalam penelitian ini. Alat analisis yang digunakan adalah rata-rata \ul0\nosupe
rsub\cf9\f10\fs24 (mean)\ul0\nosupersub\cf1\f2\fs24 , standar \line \up0 \expndt
w-3\charscalex100 deviasi, maksimum dan minimum. \up0 \expndtw-5\charscalex1
00 (Ghozali, \up0 \expndtw-3\charscalex100 2005). Statistik deskriptif \par\p
ard\qj \li2283\ri1479\sb2\sl-560\slmult0 \up0 \expndtw0\charscalex103 menyajikan
ukuran-ukuran numerik yang sangat penting bagi data sampel. Uji \up0 \expndtw-3
\charscalex100 statistik deskriptif tersebut dilakukan dengan program SPSS \par\
pard\ql \li6127\sb95\sl-276\slmult0 \up0 \expndtw-3\charscalex100 53
}
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\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.5.2\ul0\nosupersub\c
f19\f20\fs24 \ul0\nosupersub\cf6\f7\fs24 Pengujian Asumsi Klasik \par\pard\qj
\li2283\ri1494\sb230\sl-560\slmult0\fi720 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf1\f2\fs24 Uji asumsi klasik ini dilakukan agar memperoleh model regre
si yang dapat \up0 \expndtw0\charscalex100 dipertanggungjawabkan. Uji asumsi kla
sik dalam penelitian ini menggunakan uji \up0 \expndtw-3\charscalex100 normalita
s, multikolaritas, autokorelasi, dan heteroskedastisitas. \par\pard\ql \li2283\s
b0\sl-276\slmult0 \par\pard\ql\li2283\sb139\sl-276\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf6\f7\fs24 3.5.2.1 Uji Heteroskedastisitas \par\pard\q
j \li2283\ri1495\sb30\sl-560\slmult0\fi720 \up0 \expndtw0\charscalex102 \ul0\nos
upersub\cf1\f2\fs24 Uji Heteroskedastisitas bertujuan untuk menguji apakah da
lam model \line \up0 \expndtw0\charscalex105 regresi terjadi ketidaksamaan \ul
0\nosupersub\cf9\f10\fs24 variance\ul0\nosupersub\cf1\f2\fs24 dari residual
satu pengamatan ke \line \up0 \expndtw0\charscalex102 pengamatan lain. Model
regresi yang baik adalah yang terjadi homokedastisitas \par\pard\li2283\sb232\sl
-276\slmult0\fi0\tx3047\tx3888\tx4877\tx7104 \up0 \expndtw0\charscalex100 atau\t
ab \up0 \expndtw0\charscalex100 tidak\tab \up0 \expndtw0\charscalex100 terjadi\t
ab \up0 \expndtw0\charscalex100 heteroskedastisitas.\tab \up0 \expndtw0\charscal
ex100 Untuk
mendeteksi
adanya\par\pard\qj \li2283\ri1496\sb37\sl-555\slmul
t0 \up0 \expndtw0\charscalex100 heteroskedastisitas dilakukan dengan melihat
Grafik Scatterplot antara nilai \up0 \expndtw0\charscalex102 prediksi variab
el dependen yaitu ZPRED dengan residualnya SRESID, dimana \up0 \expndtw-1\charsc
alex100 sumbu Y adalah Y yang telah diprediksi dan sumbu X adalah residual (Y pr
ediksi \up0 \expndtw0\charscalex100 dan Y sesungguhnya). Dasar analisis ada atau
tidaknya heteroskedastisitas dapat \up0 \expndtw-3\charscalex100 dilakukan seba
gai berikut (Ghozali, 2006): \par\pard\ql \li2643\ri1477\sb181\sl-560\slmult0\tx
3003 \up0 \expndtw0\charscalex100 a.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupers
ub\cf1\f2\fs24 Jika ada pola tertentu, seperti titik-titik yang ada membentuk p
ola tertentu \line\tab \up0 \expndtw-2\charscalex100 yang teratur, maka diident
ifikasikan telah terjasdi heteroskedastisitas. \par\pard\ql \li2283\ri1479\sb9\s
l-550\slmult0\fi360\tx3003\tx3003 \up0 \expndtw0\charscalex105 b.\ul0\nosupersub
\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Jika tidak ada pola jelas, serta ti
tik-titik menyebar di atas dan di bawah \line\tab \up0 \expndtw-3\charscalex100
angka 0 pada sumbu Y, maka tidak terjadi heteroskedastisitas. \line \tab \up0 \e
xpndtw-3\charscalex100 Analisis menggunakan plot mempunyai kelemahan yang cukup
signifikan. \line \up0 \expndtw0\charscalex103 Oleh karena itu perlu dilaku
kan uji statistik yang dapat digunakan untuk \line \up0 \expndtw0\charscal
ex100 mendeteksi ada tidaknya heteroskedastisitas yaitu salah satunya den
gan uji \par\pard\ql \li6127\sb117\sl-276\slmult0 \up0 \expndtw-3\charscalex100
54
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2 55 \par\pard\qj \li2283\sb0\sl-540\slmult0 \par\pard\qj\li2283\sb0\sl-540\slmu
lt0 \par\pard\qj\li2283\ri1480\sb30\sl-540\slmult0 \up0 \expndtw0\charscalex102
\ul0\nosupersub\cf1\f2\fs24 glejser. Glejser mengusulkan untuk meregres nil
ai absolut residual terhadap \line \up0 \expndtw-3\charscalex100 variabel inde
penden \up0 \expndtw-4\charscalex100 (Gujarati, \up0 \expndtw0\charscalex102 200
3 dalam Ghozali, \up0 \expndtw0\charscalex102 2006). Jika salah satu \par\p
ard\qj \li2283\ri1503\sb20\sl-540\slmult0 \up0 \expndtw-1\charscalex100 variabel
independen signifikan secara statistik mempengaruhi variabel dependen, \up0 \ex
pndtw-3\charscalex100 maka ada indikasi terjadi heteroskedatisitas (Ghozali, 200
6). \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb0\sl-276\slmul
supersub\cf6\f7\fs24 3.5.2.2\ul0\nosupersub\cf19\f20\fs24 \ul0\nosupersub\cf6\f
7\fs24 Uji Normalitas \par\pard\qj \li2283\ri1432\sb110\sl-560\slmult0\fi720 \up
0 \expndtw0\charscalex102 \ul0\nosupersub\cf1\f2\fs24 Uji normalitas bertujuan
untuk menguji apakah dalam model regresi, \up0 \expndtw0\charscalex104 variab
el dependen dan variabel independen mempunyai distribusi normal atau \up0 \expnd
tw0\charscalex100 tidak. Model regresi yang baik adalah yang memiliki distribusi
data normal atau \up0 \expndtw0\charscalex100 mendekati normal. Pengujian no
rmalitas ini dapat dilakukan melalui analisis \up0 \expndtw-4\charscalex100 gr
afik dan analisis statistik (Ghozali, 2005 ). \par\pard\li2988\sb0\sl-276\slmult
0\par\pard\li2988\sb146\sl-276\slmult0\fi0\tx3559 \up0 \expndtw-4\charscalex100
\ul0\nosupersub\cf6\f7\fs24 1)\tab \up0 \expndtw-4\charscalex100 Analisis Grafik
\par\pard\qj \li3003\ri1488\sb28\sl-554\slmult0 \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf1\f2\fs24 Salah satu cara termudah untuk melihat normalitas resi
dual adalah dengan \up0 \expndtw0\charscalex100 melihat grafik histogram yang
membandingkan antara data observasi \up0 \expndtw-3\charscalex100 dengan di
stribusi yang mendekati normal. Namun demikian, hanya dengan \up0 \expndtw-3\cha
rscalex100 melihat histogram, hal ini dapat membingungkan, khususnya untuk jumla
h \up0 \expndtw0\charscalex102 sampel kecil. Metode lain yang dapat digunakan ad
alah dengan melihat \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf9\f10\fs24 no
rmal probability plot \ul0\nosupersub\cf1\f2\fs24 yang membandingkan distribusi
kumulatif dari \up0 \expndtw0\charscalex100 distribusi normal. Dasar pengamb
ilan keputusan dari analisis \ul0\nosupersub\cf9\f10\fs24 normal \up0 \expndt
w-3\charscalex100 probability plot\ul0\nosupersub\cf1\f2\fs24 adalah sebagai be
rikut: \par\pard\ql \li3003\sb0\sl-276\slmult0 \par\pard\ql\li3003\sb140\sl-276\
slmult0\tx3724 \up0 \expndtw-6\charscalex100 a) \tab \up0 \expndtw0\charscalex10
3 Jika data menyebar di sekitar garis diagonal dan mengikuti arah \par\pard\ql \
li3724\sb0\sl-276\slmult0 \par\pard\ql\li3724\sb8\sl-276\slmult0 \up0 \expndtw0\
charscalex102 garis diagonal menunjukkan pola distribusi normal, maka model \par
\pard\ql \li3724\sb0\sl-276\slmult0 \par\pard\ql\li3724\sb8\sl-276\slmult0 \up0
\expndtw-4\charscalex100 regresi memenuhi asumsi normalitas. \par\pard\ql \li612

}
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0 \par\pard\ql\li3003\sb224\sl-276\slmult0\tx3724 \up0 \expndtw-5\charscalex100
\ul0\nosupersub\cf1\f2\fs24 b) \tab \up0 \expndtw0\charscalex103 Jika data men
yebar jauh dari garis diagonal dan atau tidak \par\pard\qj \li3724\ri1476
\sb30\sl-560\slmult0 \up0 \expndtw0\charscalex102 mengikuti arah garis diagonal
tidak menunjukkan pola distribusi \line \up0 \expndtw-3\charscalex100 normal ,ma
ka model regresi tidak memenuhi asumsi normalitas. \par\pard\li2283\sb0\sl-276\s
lmult0\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb237\sl-276\slmult0\f
i705\tx3709 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs24 2)\tab \up
0 \expndtw-2\charscalex100 Analisis Statistik\par\pard\li2283\sb0\sl-276\slmult0
\par\pard\li2283\sb3\sl-276\slmult0\fi720 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf1\f2\fs24 Untuk mendeteksi normalitas data dapat pula dilakukan melalu
i analisis\par\pard\li2283\sb265\sl-276\slmult0\fi0 \up0 \expndtw-1\charscalex10
0 statistik yang salah satunya dapat dilihat melalui Kolmogrov - Smirnov test (K
-S).\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb18\sl-276\slmult0\fi0
\up0 \expndtw-2\charscalex100 Uji K-S dilakukan dengan membuat hipotesis:\par\pa
rd\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb208\sl-276\slmult0\fi720\tx3724 \
dn2 \expndtw-2\charscalex100 H\ul0\nosupersub\cf11\f12\fs16 o\tab \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 = Data residual terdistribusi normal
\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb208\sl-276\slmult0\fi720\t
x3724 \dn2 \expndtw-2\charscalex100 H\ul0\nosupersub\cf11\f12\fs16 a\tab \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 = Data residual tidak terdist
ribusi normal\par\pard\ql \li3003\sb0\sl-276\slmult0 \par\pard\ql\li3003\sb188\s
l-276\slmult0 \up0 \expndtw-5\charscalex100 Dasar pengambilan keputusan dalam uj
i K-S adalah sebagai berikut: \par\pard\ql \li3003\ri1476\sb246\sl-540\slmult0\t
x3454 \up0 \expndtw0\charscalex102 a.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosuper
sub\cf1\f2\fs24 Apabila probabilitas nilai Z uji K-S signifikan secara statist
ik maka \line\tab \up0 \expndtw-3\charscalex100 H\ul0\sub\cf11\f12\fs25 0 \ul0\n
osupersub\cf1\f2\fs24 ditolak, yang berarti data terdistribusi tidak normal. \pa
r\pard\ql \li3003\ri1486\sb0\sl-560\slmult0\tx3454 \up0 \expndtw-1\charscalex100
b.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Apabila probabil
itas nilai Z uji K-S tidak signifikan statistik maka H\ul0\sub\cf11\f12\fs25 0 \
line\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 diterima, yan
g berarti data terdistribusi normal. \par\pard\ql \li2283\sb0\sl-276\slmult0 \pa
r\pard\ql\li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb247\sl-276\slmult0 \up
0 \expndtw-4\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.5.2.3\ul0\nosupersub\cf
19\f20\fs24 \ul0\nosupersub\cf6\f7\fs24 Uji Multikoralitas \par\pard\qj \li2283
\ri1483\sb216\sl-553\slmult0\fi720 \up0 \expndtw0\charscalex101 \ul0\nosupersub\
cf1\f2\fs24 Menurut Ghozali (2006) uji ini bertujuan untuk menguji apakah pad
a \line \up0 \expndtw-1\charscalex100 model regresi ditemukan adanya korelasi an
tar variabel independen. Pada model \line \up0 \expndtw0\charscalex102 regresi y
ang baik seharusnya antar variabel independen tidak terjadi korelasi. \line \up
0 \expndtw0\charscalex100 Untuk mendeteksi ada tidaknya multikoliniearitas d
alam model regresi dapat \par\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard\ql\li
}
}}
}
2 57 \par\pard\qj \li2283\sb0\sl-556\slmult0 \par\pard\qj\li2283\ri1487\sb541\sl
-556\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 dilihat d
ari \ul0\nosupersub\cf9\f10\fs24 tolerance value\ul0\nosupersub\cf1\f2\fs24 ata
u \ul0\nosupersub\cf9\f10\fs24 variance inflation factor\ul0\nosupersub\cf1\f2\f
s24 (VIF). Kedua ukuran ini \up0 \expndtw0\charscalex100 menunjukkan setiap var
iabel independen manakah yang dijelaskan oleh variabel \up0 \expndtw0\charscalex
100 independen lainnya. \ul0\nosupersub\cf9\f10\fs24 Tolerance\ul0\nosupersub\
cf1\f2\fs24 mengukur variabilitas variabel independen yang \up0 \expndtw0\chars
calex103 terpilih yang tidak dijelaskan oleh variabel independen lainnya.
Jadi nilai \up0 \expndtw0\charscalex104 tolerance yang rendah sama dengan ni
ali VIF yang tinggi. Nilai cutoff yang \up0 \expndtw-3\charscalex100 umum dipa
kai adalah: \par\pard\ql \li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988\sb140\sl
-276\slmult0\tx5357 \up0 \expndtw-1\charscalex100 1)\ul0\nosupersub\cf14\f15\fs2
4 \ul0\nosupersub\cf1\f2\fs24 Jika nilai tolerance \tab \up0 \expndtw0\charsca
lex102 > 10 persen dan nilai VIF < 10, maka dapat \par\pard\qj \li3003\ri1
485\sb46\sl-540\slmult0 \up0 \expndtw-1\charscalex100 disimpulkan bahwa tidak ad
a multikolinearitas antar variabel independen \up0 \expndtw-4\charscalex100 dala
m model regresi. \par\pard\ql \li3003\sb239\sl-276\slmult0\tx5417 \up0 \expndtw1\charscalex100 2) Jika nilai tolerance \tab \up0 \expndtw0\charscalex101 < 1
0 persen dan nuali VIF >10, maka dapat \par\pard\qj \li3003\ri1490\sb50\sl560\slmult0 \up0 \expndtw-4\charscalex100 disimpulkan bahwa ada multikolonearita
s antar variabel independen dalam \up0 \expndtw-5\charscalex100 model regresi. \
par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb159\sl-276\slmult0
\up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.5.2.4 Uji Autokolari
tas \par\pard\qj \li2283\ri1491\sb234\sl-555\slmult0\fi720 \up0 \expndtw0\charsc
alex101 \ul0\nosupersub\cf1\f2\fs24 Uji Autokorelasi bertujuan untuk menguji a
pakah dalam suatu model \up0 \expndtw0\charscalex100 regresi linear ada korelas
i antara kesalahan pengganggu pada periode t dengan \up0 \expndtw0\charscalex102

kesalahan periode t-1 (sebelumnya). Jika terjadi korelasi maka dinamakan ada \u
p0 \expndtw0\charscalex100 problem autokorelasi. Model regresi yang baik adalah
yang bebas autokorelasi. \up0 \expndtw-3\charscalex100 Untuk mendeteksi autokore
lasi, dapat dilakukan dengan : \par\pard\ql \li3003\sb0\sl-276\slmult0 \par\pard
\ql\li3003\sb140\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Uji Durbin Watson
(DW test) \par\pard\qj \li3003\ri1491\sb30\sl-560\slmult0 \up0 \expndtw-2\charsc
alex100 Uji Durbin Watson hanya digunakan untuk autokorelasi tingkat satu \ul0\n
osupersub\cf9\f10\fs24 (first \line \up0 \expndtw-3\charscalex100 order autocor
relation)\ul0\nosupersub\cf1\f2\fs24 dan mensyaratkan adanya \ul0\nosupersub\
cf9\f10\fs24 intercept \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs2
4 (konstanta) \par\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb0\sl
-276\slmult0 \par\pard\ql\li6127\sb123\sl-276\slmult0 \up0 \expndtw-3\charscalex
100 57
}
}}
}
2 58 \par\pard\qj \li3003\sb0\sl-560\slmult0 \par\pard\qj\li3003\ri1495\sb534\sl
-560\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf1\f2\fs24 dalam mod
el regresi dan tidak ada variabel lag diantara variabel \up0 \expndtw-3\
charscalex100 independent. Hipotesis yang akan diuji adalah: \par\pard\ql \li300
arscalex100 H0 : tidak ada autokorelasi (r = 0) \par\pard\ql \li3003\sb0\sl-276\
slmult0 \par\pard\ql\li3003\sb188\sl-276\slmult0 \up0 \expndtw-3\charscalex100 H
A: ada autokorelasi (r \ul0\nosupersub\cf24\f25\fs24 \u8800?\ul0\nosupersub\cf1\
f2\fs24 0) \par\pard\ql \li3003\sb0\sl-276\slmult0 \par\pard\ql\li3003\sb228\sl
-276\slmult0 \up0 \expndtw-3\charscalex100 Pengambilan keputusan ada tidaknya au
tokorelasi : \par\pard\li2388\sb0\sl-276\slmult0\par\pard\li2388\sb218\sl-276\sl
mult0\fi945\tx6232\tx8801 \up0 \expndtw-3\charscalex100 Hipotesis Nol\tab \up0 \
expndtw-3\charscalex100 Keputusan\tab \up0 \expndtw-3\charscalex100 Jika\par\par
d\li2388\sb205\sl-276\slmult0\fi0\tx5812\tx7885 \up0 \expndtw-3\charscalex100 Ti
dak ada autokorelasi positif\tab \up0 \expndtw-3\charscalex100 Tolak\tab \up0 \e
xpndtw-3\charscalex100 0<d<dl\par\pard\li2388\sb204\sl-276\slmult0\fi0\tx5812\tx
7885 \up0 \expndtw-3\charscalex100 Tidak ada autokorelasi positif\tab \up0 \expn
dtw-3\charscalex100 No Decission\tab \up0 \expndtw-3\charscalex100 dl=d=du\par\p
ard\li2388\sb204\sl-276\slmult0\fi0\tx5812\tx7885 \up0 \expndtw-3\charscalex100
Tidak ada autokorelasi negatif\tab \up0 \expndtw-3\charscalex100 Tolak\tab \up0
\expndtw-3\charscalex100 4-dl<d<4\par\pard\li2388\sb205\sl-276\slmult0\fi0\tx581
2\tx7885 \up0 \expndtw-3\charscalex100 Tidak ada autokorelasi negatif\tab \up0 \
expndtw-3\charscalex100 No decission\tab \up0 \expndtw-3\charscalex100 4-du=d=4dl\par\pard\li2388\sb189\sl-276\slmult0\fi0\tx5812\tx7885 \up0 \expndtw-3\charsc
alex100 Tidak ada autokorelasi positif\tab \up0 \expndtw-3\charscalex100 Tida
k ditolak\tab \up0 \expndtw-3\charscalex100 du<d<4-du\par\pard\ql \li2388\sb7\sl
-276\slmult0 \up0 \expndtw-4\charscalex100 maupun negatif \par\pard\ql \li2328\s
b204\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Sumber : Ghozali (2006) \par\p
ard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb208\sl-276\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.5.3\ul0\nosupersub\cf19\f
20\fs24 \ul0\nosupersub\cf6\f7\fs24 Analisis Regresi Berganda \par\pard\qj \l
i2283\ri1498\sb236\sl-553\slmult0\fi720 \up0 \expndtw0\charscalex104 \ul0\nosupe
rsub\cf1\f2\fs24 Teknik analisis yang akan dipakai dalam penelitian ini adala
h teknik \line \up0 \expndtw0\charscalex102 analisis regresi linier berganda unt
uk memperoleh gambaran yang menyeluruh \line \up0 \expndtw0\charscalex100 menge
nai hubungan antara variabel satu dengan variabel lain. Variabel dependen \line
\up0 \expndtw-1\charscalex100 yang digunakan adalah \ul0\nosupersub\cf9\f10\fs24
Return on Asset \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (R
OA) dan variabel independennya \par\pard\ql \li2283\sb216\sl-276\slmult0\tx561
7 \up0 \expndtw0\charscalex102 adalah \ul0\nosupersub\cf9\f10\fs24 Capital Adequ
acy Ratio \tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs24 (CAR),
\ul0\nosupersub\cf9\f10\fs24 Non Performing Loan\ul0\nosupersub\cf1\f2\fs24
(NPL), Biaya \par\pard\qj \li2283\ri1482\sb58\sl-550\slmult0 \up0 \expndtw-2\
charscalex100 Operasi dan Pendapatan Operasi (BOPO), \ul0\nosupersub\cf9\f10\fs2
4 Net Interest Margin\ul0\nosupersub\cf1\f2\fs24 (NIM) dan \ul0\nosupersub\cf9\
f10\fs24 Loan to \line \up0 \expndtw0\charscalex103 Deposit Ratio \ul0\nosupersu
b\cf1\f2\fs24 (LDR). Untuk mengetahui apakah ada pengaruh yang signifikan \line
\up0 \expndtw0\charscalex103 dari variabel independen terhadap variabel depende
n maka digunakan model \par\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard\ql\l
i6127\sb121\sl-276\slmult0 \up0 \expndtw-3\charscalex100 58
}
}}
}
}}

}
}}
}
}}
}
}}
}
}}
}
}}

}
}}
}
}}
}
}}
}
}}
}
}}

}
}}
}
}}
}
}}
}
}}
}
}}

}
}}
}
}}
}
}}
}
}}
}
}}

}
}}
}
}}
}
}}
}
}}
}
}}

}
}}
}
}}
}
}}
}
}}
}
}}

}
}}
}
}}
}
2 59 \par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-276\slmult0\par\
pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li228
3\sb231\sl-276\slmult0\fi0\tx4710 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf1\f2\fs24 regresi linier berganda\tab \up0 \expndtw-1\charscalex100 (multiple
linier regression method), yang dirumuskan\par\pard\li2283\sb0\sl-276\slmul
t0\par\pard\li2283\sb3\sl-276\slmult0\fi0 \up0 \expndtw-1\charscalex100 sebagai
berikut (Ghozali,2005) :\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb21
4\sl-276\slmult0\fi720 \up0 \expndtw-1\charscalex100 Y = a + b\ul0\sub\cf11\f12\
fs25 1 \ul0\nosupersub\cf1\f2\fs24 X\ul0\sub\cf11\f12\fs25 1\ul0\nosupersub\cf1\
f2\fs24 + b\ul0\sub\cf11\f12\fs25 2 \ul0\nosupersub\cf1\f2\fs24 X\ul0\sub\cf11\
f12\fs25 2\ul0\nosupersub\cf1\f2\fs24 + b\ul0\sub\cf11\f12\fs25 3\ul0\nosupersu
b\cf1\f2\fs24 X\ul0\sub\cf11\f12\fs25 3 \ul0\nosupersub\cf1\f2\fs24 + b\ul0\sub
\cf11\f12\fs25 4 \ul0\nosupersub\cf1\f2\fs24 X\ul0\sub\cf11\f12\fs25 4\ul0\nosup
ersub\cf1\f2\fs24 + b\ul0\sub\cf11\f12\fs25 5\ul0\nosupersub\cf1\f2\fs24 X\ul0
\sub\cf11\f12\fs25 5 \ul0\nosupersub\cf1\f2\fs24 + e\par\pard\li2283\sb0\sl-276\
slmult0\par\pard\li2283\sb199\sl-276\slmult0\fi0 \up0 \expndtw-1\charscalex100 D
imana :\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb198\sl-276\slmult0\
fi0\tx3003\tx3724 \up0 \expndtw-1\charscalex100 a\tab \up0 \expndtw-1\charscalex
100 =\tab \up0 \expndtw-1\charscalex100 konstanta\par\pard\li2283\sb0\sl-276\slm
ult0\par\pard\li2283\sb184\sl-276\slmult0\fi0\tx3003\tx3724 \up0 \expndtw-1\char
scalex100 b\ul0\sub\cf11\f12\fs25 1 \ul0\nosupersub\cf1\f2\fs24 - b\ul0\sub\cf11
\f12\fs25 5\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24 =\tab
\up0 \expndtw-1\charscalex100 koefisien regresi, merupakan besarnya perubahan va
riable terikat\par\pard\ql \li3724\sb0\sl-276\slmult0 \par\pard\ql\li3724\sb3\sl
-276\slmult0 \up0 \expndtw-2\charscalex100 akibat perubahan tiap - tiap unit var
iable bebas \par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb199\sl-276\slm
ult0\fi0\tx3003\tx3724 \up0 \expndtw0\charscalex102 Y\tab \up0 \expndtw0\charsca
lex102 =\tab \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf9\f10\fs24 Return On
Asset\ul0\nosupersub\cf1\f2\fs24 (ROA) yaitu rasio antara laba bersih sebel

um\par\pard\ql \li3724\sb0\sl-276\slmult0 \par\pard\ql\li3724\sb17\sl-276\slmult
0 \up0 \expndtw-4\charscalex100 pajak terhadap total asset \par\pard\li2283\sb0\
sl-276\slmult0\par\pard\li2283\sb185\sl-276\slmult0\fi0\tx3003\tx3724 \up0 \expn
dtw0\charscalex102 X\ul0\sub\cf11\f12\fs25 1\tab \up0 \expndtw0\charscalex102 \u
l0\nosupersub\cf1\f2\fs24 =\tab \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf9
\f10\fs24 Capital Adequacy Ratio \ul0\nosupersub\cf1\f2\fs24 (CAR) yaitu antara
rasio modal sendiri\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb19\sl276\slmult0\fi1441 \up0 \expndtw0\charscalex101 terhadap ATMR\par\pard\li2283\sb
0\sl-276\slmult0\par\pard\li2283\sb184\sl-276\slmult0\fi0\tx3003\tx3724\tx6232 \
up0 \expndtw0\charscalex101 X\ul0\sub\cf11\f12\fs25 2\tab \up0 \expndtw0\charsca
lex101 \ul0\nosupersub\cf1\f2\fs24 =\tab \up0 \expndtw0\charscalex101 \ul0\nosup
ersub\cf9\f10\fs24 Non Performing Loan\tab \up0 \expndtw0\charscalex101 \ul0\n
osupersub\cf1\f2\fs24 (NPL) yaitu rasio antara total kredit\par\pard\li2283
\sb0\sl-276\slmult0\par\pard\li2283\sb18\sl-276\slmult0\fi1441 \up0 \expndtw-1\c
harscalex100 bermasalah dengan total kredit yang diberikan\par\pard\li2283\sb0\
sl-276\slmult0\par\pard\li2283\sb199\sl-276\slmult0\fi0\tx3003\tx3724 \up0 \expn
dtw-1\charscalex100 X\ul0\sub\cf11\f12\fs25 3\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf1\f2\fs24 =\tab \up0 \expndtw-1\charscalex100 Biaya Operasi te
rhadap Pendapatan Operasi (BOPO)\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2
283\sb183\sl-276\slmult0\fi0\tx3003\tx3724 \up0 \expndtw-1\charscalex100 X\ul0\s
ub\cf11\f12\fs25 4\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs24
=\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf9\f10\fs24 Net Interest M
argin\ul0\nosupersub\cf1\f2\fs24 (NIM) yaitu rasio antara pendapatan bunga\par
\pard\ql \li3724\sb0\sl-276\slmult0 \par\pard\ql\li3724\sb8\sl-276\slmult0 \up0
\expndtw-3\charscalex100 bersih terhadap rata-rata aktiva produktif \par\pard\li
2283\sb0\sl-276\slmult0\par\pard\li2283\sb195\sl-276\slmult0\fi0\tx3003\tx3724 \
up0 \expndtw0\charscalex101 X\ul0\sub\cf11\f12\fs25 5\tab \up0 \expndtw0\charsca
lex101 \ul0\nosupersub\cf1\f2\fs24 =\tab \up0 \expndtw0\charscalex101 \ul0\nosup
ersub\cf9\f10\fs24 Loan to Deposit Ratio\ul0\nosupersub\cf1\f2\fs24 (LDR) yait
u rasio antara total kredit yang\par\pard\ql \li3724\sb0\sl-276\slmult0 \par\par
d\ql\li3724\sb1\sl-276\slmult0 \up0 \expndtw-3\charscalex100 diberikan terhadap
total dana pihak ketiga \par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb21
6\sl-276\slmult0\fi0\tx3003\tx3784 \up0 \expndtw-3\charscalex100 e\tab \up0 \exp
ndtw-3\charscalex100 =\tab \up0 \expndtw-3\charscalex100 kesalahan residual \ul0
\nosupersub\cf9\f10\fs24 (eror)\par\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard
\ql\li6127\sb120\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
1\f2\fs24 59
}
}}
}

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45007fffd9}}}}}\pard\sb0\sl-240{\bkmkstart Pg76}{\bkmkend Pg76}\par\pard\ql \li1
0002\sb0\sl-253\slmult0 \par\pard\ql\li10002\sb198\sl-253\slmult0 \up0 \expndtw6\charscalex100 \ul0\nosupersub\cf15\f16\fs22 60 \par\pard\ql \li2283\sb0\sl-276
lmult0 \par\pard\ql\li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb244\sl-276\s
lmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.5.4 Pengujian
Hipotesis \par\pard\qj \li2283\ri1463\sb215\sl-554\slmult0\fi720 \up0 \expndtw0
\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Untuk melakukan pengujian terhadap hi
potesis-hipotesis yang diajukan, \line \up0 \expndtw0\charscalex104 perlu digun
akan analisis regresi melalui uji t maupun uji F. Tujuan digunakan \line \up0 \e
xpndtw0\charscalex100 analisis regresi adalah untuk mengetahui pengaruh variabel
-variabel independen \line \up0 \expndtw0\charscalex106 terhadap variabel depe
nden, baik secara parsial maupun simultan, serta \line \up0 \expndtw0\char
scalex102 mengetahui besarnya dominasi variabel-variabel independen terhadap va
riabel \line \up0 \expndtw0\charscalex100 dependen. Metode pengujian terhadap hi
potesa yang diajukan dilakukan dengan \line \up0 \expndtw0\charscalex100 penguji
an secara parsial dan pengujian secara simultan. Langkah-langkah untuk \line \up
0 \expndtw-2\charscalex100 menguji hipotesis yang diajukan dalam penelitian ini
adalah sebagai berikut: \par\pard\ql \li2283\sb0\sl-264\slmult0 \par\pard\ql\li2
283\sb182\sl-264\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf6\f7\fs
24 3.5.4.1 Koefisien Determinasi (R\ul0\super\cf25\f26\fs24 2) \par\pard\qj \li2
283\ri1479\sb32\sl-560\slmult0\fi720 \up0 \expndtw0\charscalex100 \ul0\nosupersu
b\cf1\f2\fs24 Koefisien determinasi (R\ul0\super\cf11\f12\fs24 2\ul0\nosupersu
b\cf1\f2\fs24 ) digunakan untuk mengukur seberapa jauh \up0 \expndtw0\chars
calex102 kemampuan model dalam menerangkan variasi variabel dependen. Koefi
sen \up0 \expndtw-3\charscalex100 determinasi dapat dicari dengan rumus (Gujarat
i, 1999): \par\pard\qj \li2283\sb0\sl-555\slmult0 \par\pard\qj\li2283\sb0\sl-555
\slmult0 \par\pard\qj\li2283\ri1489\sb175\sl-555\slmult0\fi720 \up0 \expndtw0\ch
arscalex105 Nilai koefisien determinasi adalah antara 0 dan 1. Nilai R\ul0\super
\cf11\f12\fs24 2\ul0\nosupersub\cf1\f2\fs24 yang kecil \up0 \expndtw0\charscale
x100 berarti kemampuan variabel-variabel independen dalam menjelaskan vari
asi \up0 \expndtw0\charscalex102 variabel dependen amat terbatas (Ghozali, 2005)
. Nilai yang mendekati 1 (satu) \up0 \expndtw0\charscalex102 berarti variabel-va
riabel independen memberikan hampir semua informasi yang \up0 \expndtw-3\charsca
lex100 dibutuhkan untuk memprediksi variasi variabel dependen. \par\pard\ql \li6
sb0\sl-276\slmult0 \par\pard\ql\li6127\sb36\sl-276\slmult0 \up0 \expndtw-3\chars
calex100 60 \par\pard\sect\sectd\fs24\paperw11900\paperh16840{\shp
z-10000\shplid76
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\sb0\sl-240{\bkmkstart Pg77}{\bkmkend Pg77}\par\pard\ql \li10002\sb0\sl-253\slmu
lt0 \par\pard\ql\li10002\sb198\sl-253\slmult0 \up0 \expndtw-6\charscalex100 \ul0
\nosupersub\cf15\f16\fs22 61 \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\q
-3\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.5.4.2 Uji F \par\pard\qj \li2283
\ri1478\sb30\sl-560\slmult0\fi720 \up0 \expndtw0\charscalex102 \ul0\nosupersub\c
f1\f2\fs24 Pengujian secara simultan menggunakan Uji F (Pengujian signifikansi
\up0 \expndtw0\charscalex102 secara simultan). Langkah-langkah yang ditempu
h dalam pengujian adalah \up0 \expndtw-4\charscalex100 (Ghozali, 2005): \par\
pard\ql \li2988\sb0\sl-276\slmult0 \par\pard\ql\li2988\sb139\sl-276\slmult0 \up0
\expndtw-3\charscalex100 a. Merumuskan hipotesis nol (H\ul0\sub\cf11\f12\fs25 0
\ul0\nosupersub\cf1\f2\fs24 ) dan Hipoteis alternatif (H\ul0\sub\cf11\f12\fs25 1
\ul0\nosupersub\cf1\f2\fs24 ) \par\pard\qj \li3348\ri1497\sb50\sl-560\slmult0 \u
p0 \expndtw-2\charscalex100 Hipotesis pertama, kedua dan ketiga dinyatakan secar
a statistik sebagai \up0 \expndtw-3\charscalex100 berikut : \par\pard\qj \li3348
\ri1507\sb0\sl-540\slmult0 \up0 \expndtw-1\charscalex100 Ho : \u946?\ul0\sub\cf1
1\f12\fs25 1 \ul0\nosupersub\cf1\f2\fs24 = \u946?\ul0\sub\cf11\f12\fs25 2 \ul0\n
osupersub\cf1\f2\fs24 = \u946?\ul0\sub\cf11\f12\fs25 3\ul0\nosupersub\cf1\f2\fs2
4 = 0, diduga variabel independen secara parsial tidak \up0 \expndtw-5\charscal
ex100 berpengaruh signifikan terhadap variabel dependen \par\pard\qj \li3363\ri1
494\sb0\sl-580\slmult0 \up0 \expndtw-2\charscalex100 H\ul0\sub\cf11\f12\fs25 1 \
ul0\nosupersub\cf1\f2\fs24 : \u946?\ul0\sub\cf11\f12\fs25 i \ul0\nosupersub\cf1
\f2\fs24 > 0, diduga variabel independen secara simultan berpengaruh \up0 \expn
dtw-3\charscalex100 terhadap variabel dependen \par\pard\qj \li3363\ri1497\sb124
\sl-580\slmult0 \up0 \expndtw0\charscalex101 Hipotesis keempat, kelima, dan kee
nam dinyatakan secara statistik \up0 \expndtw-3\charscalex100 sebagai berikut :
\par\pard\qj \li3363\ri1506\sb177\sl-560\slmult0 \up0 \expndtw-2\charscalex100 H
o : \u946?\ul0\sub\cf11\f12\fs25 4 \ul0\nosupersub\cf1\f2\fs24 = \u946?\ul0\sub\
cf11\f12\fs25 5 \ul0\nosupersub\cf1\f2\fs24 = \u946?\ul0\sub\cf11\f12\fs25 6\ul0
\nosupersub\cf1\f2\fs24 = 0, diduga variabel independen secara parsial tidak \u
p0 \expndtw-3\charscalex100 berpengaruh signifikan terhadap variabel dependen \p
ar\pard\qj \li3363\ri1495\sb164\sl-580\slmult0 \up0 \expndtw-2\charscalex100 H\u
l0\sub\cf11\f12\fs25 1 \ul0\nosupersub\cf1\f2\fs24 : \u946?\ul0\sub\cf11\f12\fs
25 i \ul0\nosupersub\cf1\f2\fs24 < 0, diduga variabel independen secara simulta
n berpengaruh \up0 \expndtw-5\charscalex100 terhadap variabel dependen \par\pard
\ql \li3003\sb0\sl-276\slmult0 \par\pard\ql\li3003\sb116\sl-276\slmult0 \up0 \ex
pndtw-4\charscalex100 b.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs
24 Menentukan tingkat signifikansi yaitu sebesar 0,05 (a=0,05) \par\pard\ql \l
i3003\sb0\sl-253\slmult0 \par\pard\ql\li3003\sb50\sl-253\slmult0 \up0 \expndtw-2
\charscalex100 c.\ul0\nosupersub\cf14\f15\fs24 \ul0\nosupersub\cf1\f2\fs24 Me
mbandingkan F\ul0\sub\cf11\f12\fs25 hitung\ul0\nosupersub\cf1\f2\fs24 dengan F\
ul0\sub\cf11\f12\fs25 tabel \par\pard\ql \li3363\sb268\sl-276\slmult0 \up0 \expn
dtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Nilai F hitung dapat dicari deng
an rumus (Gujarati, 1999): \par\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard\ql\
6127\sb256\sl-276\slmult0 \up0 \expndtw-3\charscalex100 61 \par\pard\sect\sectd\
fs24\paperw11900\paperh16840\pard\sb0\sl-240{\bkmkstart Pg78}{\bkmkend Pg78}\par
\pard\ql \li10002\sb0\sl-253\slmult0 \par\pard\ql\li10002\sb198\sl-253\slmult0 \
up0 \expndtw-6\charscalex100 \ul0\nosupersub\cf15\f16\fs22 62 \par\pard\ql \li33
b244\sl-276\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf1\f2\fs24 di
mana \par\pard\li3724\sb0\sl-276\slmult0\par\pard\li3724\sb201\sl-276\slmult0\fi
0\tx4445\tx5166 \up0 \expndtw-3\charscalex100 R\ul0\super\cf11\f12\fs24 2\tab \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 =\tab \up0 \expndtw-3\ch
arscalex100 Koefisisen Determinasi\par\pard\li3724\sb0\sl-276\slmult0\par\pard\l
i3724\sb198\sl-276\slmult0\fi0\tx4445\tx5166 \up0 \expndtw-3\charscalex100 k\tab
\up0 \expndtw-3\charscalex100 =\tab \up0 \expndtw-3\charscalex100 Banyaknya koe
fisien regresi\par\pard\li3724\sb0\sl-276\slmult0\par\pard\li3724\sb199\sl-276\s
lmult0\fi0\tx4445\tx5166 \up0 \expndtw-3\charscalex100 N\tab \up0 \expndtw-3\cha
rscalex100 =\tab \up0 \expndtw-3\charscalex100 Banyaknya observasi\par\pard\ql \
li3363\ri1479\sb199\sl-580\slmult0\tx3724 \up0 \expndtw-1\charscalex100 1) Bil
a F hitung < F tabel, variabel independen secara bersama-sama \line\tab \up0 \ex
pndtw-3\charscalex100 tidak berpengaruh terhadap variabel dependen. \par\pard\ql
\li3363\ri1479\sb140\sl-580\slmult0\tx3724 \up0 \expndtw0\charscalex100 2) Bil
a F hitung > F tabel, variabel independen secara bersama-sama \line\tab \up0 \ex
pndtw-3\charscalex100 berpengaruh terhadap variabel dependen. \par\pard\ql \li30
03\sb0\sl-276\slmult0 \par\pard\ql\li3003\sb136\sl-276\slmult0 \up0 \expndtw-7\c
harscalex100 d.
Berdasarkan probabilitas \par\pard\qj \li3363\ri1486\sb13\s
l-580\slmult0 \up0 \expndtw0\charscalex102 Dengan menggunakan nilai profitabi
litas, Ha akan diterima jika \up0 \expndtw-4\charscalex100 probabilitas kura
ng dari 0,05. \par\pard\ql \li2283\sb0\sl-276\slmult0 \par\pard\ql\li2283\sb136\
sl-276\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf6\f7\fs24 3.5.4.3
\ul0\nosupersub\cf19\f20\fs24 \ul0\nosupersub\cf6\f7\fs24 Uji t \par\pard\qj \
li2283\ri1491\sb30\sl-560\slmult0\fi720 \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf1\f2\fs24 Pengujian secara parsial menggunakan uji t (pengujian signifik
ansi secara \line \up0 \expndtw-2\charscalex100 parsial). Langkah-langkah yang d
itempuh dalam pengujian adalah (Ghozali, 2006) \par\pard\li2283\sb0\sl-276\slmul
t0\par\pard\li2283\sb149\sl-276\slmult0\fi0\tx2988 \up0 \expndtw-2\charscalex100
1)\tab \up0 \expndtw-2\charscalex100 Menyusun hipotesis nol (H0) dan hipotesis
alternatif (H1)\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb3\sl-276\sl
mult0\fi720 \up0 \expndtw-1\charscalex100 Ho : \u946?\ul0\sub\cf11\f12\fs25 1 \u
l0\nosupersub\cf1\f2\fs24 = \u946?\ul0\sub\cf11\f12\fs25 2 \ul0\nosupersub\cf1\f

2\fs24 = \u946?\ul0\sub\cf11\f12\fs25 3\ul0\nosupersub\cf1\f2\fs24 = \u946?\ul0
\sub\cf11\f12\fs25 4\ul0\nosupersub\cf1\f2\fs24 = 0, diduga variabel independen
secara parsial tidak\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb19\sl
-276\slmult0\fi720 \up0 \expndtw-2\charscalex100 berpengaruh signifikan terhadap
variabel dependen.\par\pard\li2283\sb0\sl-276\slmult0\par\pard\li2283\sb184\sl276\slmult0\fi0\tx2988 \up0 \expndtw-2\charscalex100 2)\tab \up0 \expndtw-2\char
scalex100 Menentukan tingkat signifikansi (\u945?) sebesar 0,05\par\pard\li2283\
sb0\sl-276\slmult0\par\pard\li2283\sb3\sl-276\slmult0\fi0\tx3003 \up0 \expndtw-2
\charscalex100 3)\tab \up0 \expndtw-1\charscalex100 Membandingkan t\ul0\sub\cf11
\f12\fs25 hitung\ul0\nosupersub\cf1\f2\fs24 dengan t\ul0\sub\cf11\f12\fs25 tabe
l\ul0\nosupersub\cf1\f2\fs24 . Jika t\ul0\sub\cf11\f12\fs25 hitung\ul0\nosupersu
b\cf1\f2\fs24 lebih besar dari t\ul0\sub\cf11\f12\fs25 tabel\ul0\nosupersub\cf1
\f2\fs24 , maka\par\pard\ql \li3003\sb0\sl-276\slmult0 \par\pard\ql\li3003\sb1\s
l-276\slmult0 \up0 \expndtw-4\charscalex100 H1 diterima. \par\pard\ql \li6127\sb
264\sl-276\slmult0 \up0 \expndtw-3\charscalex100 62
}
}}
}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16840{\shp
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83afe0d7f8550fc4d85d187fc2dcf8a63c44baf8f8888ca47f611d24e8af9fed41a98fecefdf3a2b
4729356726d73d6ab66db5ed3135ea6271152db73d7c4d6ab88ad3f8aad7ab52acdcaa4e5279a8c5
3ba8a4f928d2ba493f6787a30c3e1e9dd7d8a187a54e85187c34a8d3852828c2118a28a28a430a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2803fff
d9}}}}}\pard\sb0\sl-240{\bkmkstart Pg79}{\bkmkend Pg79}\par\pard\ql \li10002\sb0
\sl-253\slmult0 \par\pard\ql\li10002\sb198\sl-253\slmult0 \up0 \expndtw-6\charsc
alex100 \ul0\nosupersub\cf15\f16\fs22 63 \par\pard\ql \li3003\sb0\sl-276\slmult0
par\pard\ql\li3003\sb0\sl-276\slmult0 \par\pard\ql\li3003\sb244\sl-276\slmult0 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Nilai thitung dapat dic
ari dengan rumus (Gujarati, 1999): \par\pard\ql \li3003\sb0\sl-276\slmult0 \par\
\ql\li3003\sb84\sl-276\slmult0\tx3724 \up0 \expndtw-6\charscalex100 a) \tab \up0
\expndtw0\charscalex105 Bila -t\ul0\sub\cf11\f12\fs25 tabel\ul0\nosupersub\cf1\
f2\fs24 < -t\ul0\sub\cf11\f12\fs25 hitung\ul0\nosupersub\cf1\f2\fs24 dan t\ul0
\sub\cf11\f12\fs25 hitung\ul0\nosupersub\cf1\f2\fs24 < t\ul0\sub\cf11\f12\fs25
tabel\ul0\nosupersub\cf1\f2\fs24 , variabel independen secara \par\pard\ql \li37
24\sb264\sl-276\slmult0 \up0 \expndtw-4\charscalex100 individu tak berpengaruh t
erhadap dependen. \par\pard\ql \li3003\sb0\sl-276\slmult0 \par\pard\ql\li3003\sb
8\sl-276\slmult0\tx3724 \up0 \expndtw-5\charscalex100 b) \tab \up0 \expndtw0\cha
rscalex104 Bila t\ul0\sub\cf11\f12\fs25 hitung \ul0\nosupersub\cf1\f2\fs24 > t\
ul0\sub\cf11\f12\fs25 tabel\ul0\nosupersub\cf1\f2\fs24 dan -t\ul0\sub\cf11\f12\
fs25 hitung\ul0\nosupersub\cf1\f2\fs24 < -t\ul0\sub\cf11\f12\fs25 tabel\ul0\nos
upersub\cf1\f2\fs24 , variabel independen secara \par\pard\ql \li3724\sb0\sl-276
\slmult0 \par\pard\ql\li3724\sb8\sl-276\slmult0 \up0 \expndtw-3\charscalex100 in
dividu berpengaruh terhadap variabel dependen. \par\pard\li3003\sb0\sl-276\slmul
t0\par\pard\li3003\sb13\sl-276\slmult0\fi0\tx3724 \up0 \expndtw-4\charscalex100
c)\tab \up0 \expndtw-4\charscalex100 Berdasarkan probabilitas.\par\pard\ql \li37
24\sb0\sl-276\slmult0 \par\pard\ql\li3724\sb3\sl-276\slmult0 \up0 \expndtw0\char
scalex101 H1 akan diterima jika nilai probabilitasnya kurang dari 0,05 (\u945?)
\par\pard\ql \li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb0\sl-276\slmult0 \

0 63 \par\pard\sect\sectd\fs24}

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Analisis Pengaruh Car NPL Bopo Nim Dan LDR Terhadap Roa Bej

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{\rtf1{\fonttbl

{\f2 Times New Roman;}

ql \li2283\sb6\sl-276\slmult0 \up0 \expndtw-4\charscalex100 Dosen Pembimbing\par

the major effect of variables \line \up0 \expndtw-2\charscalex100 Capital Adequ

ult0 \par\pard\qj\li2283\ri1484\sb96\sl-552\slmult0\fi720 \up0 \expndtw-1\charsc

\slmult0 \par\pard\ql\li6187\sb0\sl-276\slmult0 \par\pard\ql\li6187\sb0\sl-276\s

2 \up0 \expndtw-4\charscalex100 1.3\tab \up0 \expndtw-4\charscalex100 Tujuan dan

0\nosupersub\cf9\f10\fs24 Net Interest Margin\ul0\nosupersub\cf1\f2\fs24 (NIM)

lex100 .55\par\pard\li2283\sb11\sl-276\slmult0\fi2838\tldot\tx9732 \up0 \expndtw

) ...\tab \up0 \expndtw-3\charscalex100 .84\par\pard\li3724\sb1\sl-268\slmult0\f

par\pard\ql\li6097\sb0\sl-276\slmult0 \par\pard\ql\li6097\sb0\sl-276\slmult0 \pa

\sl-276\slmult0 \par\pard\ql\li6127\sb0\sl-276\slmult0 \par\pard\ql\li6127\sb0\s

1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

cf9\f10\fs24 go \up0 \expndtw-3\charscalex100 public\ul0\nosupersub\cf1\f2\fs24

calex100 2.40\tab \up0 \expndtw-4\charscalex100 2.69\tab \up0 \expndtw-4\charsca

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

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p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

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p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s