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DAFTAR ISI

HALAMAN JUDUL ................................................................................................ i


HALAMAN PERSETUJUAN ................................................................................ ii
KATA PENGANTAR ............................................................................................... iii
ABSTRAKSI............................................................................................................. vii
DAFTAR ISI .............................................................................................................viii
DAFTAR TABEL ..................................................................................................... x
DAFTAR GAMBAR ................................................................................................ xi
DAFTAR LAMPIRAN ............................................................................................ xii
BAB I PENDAHULUAN .................................................................................. 1
1.1 Latar Belakang Masalah ............................................................... 1
1.2 Rumusan Masalah ......................................................................... 8
1.3 Tujuan Penelitian .......................................................................... 8
1.4 Manfaat Penelitian ........................................................................ 8
BAB II TINJAUAN PUSTAKA ........................................................................ 10
2.1 Penelitian Terdahulu ...................................................................... 10
2.2 Landasan Teori ............................................................................... 14
2.2.1 Pengertian Bank ................................................................ 14
2.2.2 Fungsi Bank ....................................................................... 18
2.2.3 Jenis-Jenis Bank Di Indonesia ........................................... 22
2.2.4 Sumber Dana Bank ............................................................ 27
2.2.5 Penggunaan Dana Bank ..................................................... 32
2.2.6 Pengertian Laporan Keuangan ........................................... 33
2.2.7 Kinerja Keuangan Bank ..................................................... 40
2.2.8 Return On Asset (ROA) ..................................................... 44
2.2.9 Dana Pihak Ketiga (DPK) .................................................. 45
2.2.10 Capital Adequacy Ratio (CAR) ......................................... 47
2.3 Kerangka Pimikiran Teoritis .......................................................... 48
2.4 Hipotesis Penelitian ...................................................................... 51
BAB III METODE PENELITIAN .................................................................... 53
3.1 Jenis Penelitian .............................................................................. 53
3.2 Populasi dan Sampel ..................................................................... 53
3.3 Metode Pengulumpulan Data ....................................................... 55
3.4 Definisi Dan Variabel Penelitian.................................................... 55
3.4.1 Variabel Dependen ............................................................ 55
3.4.2 Variabel Independen........................................................... 56
3.5 Metode Analisis Data ..................................................................... 57
3.5.1 Analisis Regresi Linear Berganda ..................................... 57
3.4.4 Uji Asumsi Klasik ............................................................. 58
3.5 Pengujian Hipotesis ....................................................................... 60
3.4.5 Koefisien Determinasi R2 .................................................. 60
3.4.6 Uji F .................................................................................. 60
3.4.6 Uji t ................................................................................... 61
BAB IV HASIL DAN PEMBAHASAN ............................................................. 62
4.1 Deskripsi Umum Perusahaan Perbankan ....................................... 62

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4.2 Deskripsi Variabel ......................................................................... 63
4.2.1 Dana Pihak Ketiga (DPK) .................................................. 63
4.2.2 Capital Adequacy Ratio (CAR) ......................................... 66
4.2.3 Return On Asset (ROA) .................................................... 69
4.3 Transformasi Data ......................................................................... 72
4.4 Uji Asumsi Klasik ......................................................................... 72
4.4.1 Uji Normalitas ................................................................... 72
4.4.2 Uji Multikolinearitas .......................................................... 73
4.4.3 Uji Heterokedastisitas ........................................................ 74
4.5 Hasil Analisis Regresi Berganda.................................................... 75
4.6 Hasil Pengujian Hipotesis .............................................................. 77
4.5.1 Koefisien Determinasi (R2) ............................................... 77
4.5.2 Uji Parsial (Uji t) ................................................................ 78
4.5.3 Uji Simultan (Uji F) ........................................................... 79
4.6 Pembahasan ................................................................................... 80
4.6.1 Pengaruh Dana Pihak Ketiga Terhadap Return On Asset .. 80
4.6.2 Pengaruh Capital Adequacy Ratio Terhadap Return On
Asset ................................................................................... 81
BAB V Kesimpulan Dan Saran ......................................................................... 84
5.1 Kesimpulan ................................................................................... 84
5.2 Keterbatasan Penelitian ................................................................ 85
5.3 Saran ............................................................................................. 85

DAFTAR PUSKATA

LAMPIRAN

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DAFTAR TABEL

Tabel 2.1 Matriks Persamaan Dan Perbedaan Penelitian Terdahulu ....................... 13


Tabel 3.1 Sampel Penelitian .................................................................................... 55
Tabel 3.2 Ringkasan Definisi Dan Operasional Variabel ........................................ 57
Tabel 4.1 Statistik Deskripsi Dana Pihak Ketiga (X1) ............................................ 64
Tabel 4.2 Statistik Deskripsi Capital Adequacy Ratio (X2) .................................... 66
Tabel 4.3 Statistik Deskripsi Return On Asset (Y) ................................................. 69
Tabel 4.4 Uji Normalitas ......................................................................................... 73
Tabel 4.5 Hasil Pengujian Multikolinearitas ........................................................... 74
Tabel 4.6 Hasil Uji Regresi Berganda ..................................................................... 76
Tabel 4.7 Uji Koefisien Determinasi....................................................................... 77
Tabel 4.8 Uji t.......................................................................................................... 78
Tabel 4.9 Uji F......................................................................................................... 79

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DAFTAR GAMBAR

Gambar 2.1 Kerangka Pimikiran Teoritis ............................................................... 42


Gambar 4.1 Fluktuasi Dana Pihak Ketiga (DPK) .................................................. 66
Gambar 4.2 Fluktuasi Capital Adequacy Ratio (CAR) .......................................... 69
Gambar 4.3 Fluktuasi Return On Assets (ROA) .................................................... 71
Gambar 4.4 Scatterplot Heterokedastisitas ............................................................ 75

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DAFTAR LAMPIRAN

Lampiran 1 Pemilihan Objek Peneltian


Lampiran 2 Tabulasi Data
Lampiran 3 Uji Asumsi Klasik Dan Regresi Berganda

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