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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI

PROFITABILITAS PERBANKAN
(Studi pada Bank Umum Go Public di Bursa Efek Indonesia Tahun
2008 - 2011)
Anggun Arisandi
Fakultas Ekonomi Universitas Semarang

Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio(CAR), Non
Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Loan to Deposit
Ratio (LDR), Net Interest Margin (NIM) terhadap Profitabilitas Perbankan (ROA). Populasi yang
menjadi obyek dalam penelitian ini adalah bank umum go public yang terdaftar di Bursa Efek Indonesia
periode tahun 2008-2011. Jumlah sample yang digunakan adalah 15 bank umum go public yang
terdaftar di Bursa Efek Indonesia.
Dari hasil uji hipotesis secara simultan (uji F) menunjukkan bahwa CAR, NPL, BOPO, LDR, dan
NIM memiliki pengaruh yang signifikan terhadap profitabilitas perbankan pada bank umum go public
dengan tingkat signifikansi 0,000. Sedangkan berdasarkan hasil uji hipotesis secara parsial (uji t) pada
bank umum go public menunjukkan bahwa variabel NPL, BOPO, dan NIM berpengaruh signifikan
terhadap profitabilitas perbankan. Sedangkan variabel CAR dan LDR tidak signifikan terhadap
profitabilitas perbankan. Nilai adjusted R 2 dalam model regresi bank go public diperoleh sebesar 0,625.
Hal ini menunjukkan bahwa besar pengaruh variabel independent yaitu CAR, NPL, BOPO, LDR, dan
NIM terhadap variabel dependent (ROA) sebesar 62,5% sedangkan sisanya sebesar 37,5% dipengaruhi
oleh faktor lain. Selain itu nilai R2 adalah 0,657. Jika nilai R2 semakin mendekati 1 maka variabelvariabel bebas (CAR, NPL, BOPO, LDR, dan NIM) semakin kuat pengaruhnya dalam menjelaskan
variabel terikat (ROA).
Kata Kunci : CAR, NPL, BOPO, LDR, NIM, ROA

ANALYZE FACTOR-FACTOR TO EFFECT THE BANKING


PROFITABILITY
(Study for Commercial Bank to Go Public In Indonesian Stock Exchange
2008 - 2011)
Anggun Arisandi
Fakultas Ekonomi Universitas Semarang
Abstract : This study aims to analyze the effect of the Capital Adequacy Ratio (CAR), Non-Performing
Loan (NPL), Operating Expenses to Operating Income (ROA), Loan to Deposit Ratio (LDR), Net Interest
Margin (NIM) to the Banking Profitability (ROA). Population as an object of this research is publicly
traded commercial bank listed on the Indonesia Stock Exchange in the period 2008-2011. The number of
samples used were 15 commercial banks registered to go public in Indonesia Stock Exchange.
From the results of simultaneous hypothesis test (F test) showed that the CAR, NPL, BOPO, LDR,
NIM has a significant impact on banking profitability of commercial banks to go public with a
significance level of 0.000. While based on the partial results of hypothesis testing (t test) went public
with commercial banks indicate that NPL, BOPO, NIM has a significant effect on profitability of banking.
While the CAR and LDR variable is not significant to the profitability of banking. The value of adjusted
R2 in regression models obtained for publicly traded banks 0.625. This shows that the major effect of
independent variables are CAR, NPL, BOPO, LDR, NIM, to the dependent variable (ROA) of 62.5%
while the remaining 37.5% is influenced by other factors. In addition R2 value is 0.657. If the value of R2
getting closer to one then the free variables (CAR, NPL, BOPO, LDR, NIM), the stronger its influence in
explaining the dependent variable (ROA).
Keywords: CAR, NPL, BOPO, LDR, NIM, ROA