PENGARUH CAPITAL ADECUACY RATIO (CAR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), NET INTEREST MARGIN (NIM) TERHADAP KREDIT MACET (NON PERFORMING LOAN) PADA BANK UMUM SWASTA NASIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2012-2016

Abstract

PENGARUH CAPITAL ADECUACY RATIO (CAR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), NET INTEREST MARGIN (NIM) TERHADAP KREDIT MACET (NON PERFORMING LOAN) PADA BANK UMUM SWASTA NASIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2012-2016

Oleh : AriatiArleni
Pembimbing : Dr. Listiana Sri Mulatsih, S.E., M.M
NailalHusna, S.E.,M.Si

INTISARI
Bank adalah sebagai lembaga perantara (financial intermediaries) yang menyalurkan dana dari pihak yang mempunyai dana berlebih (idle fund) kepada pihak yang membutuhkan dana atau kekurangan dana dalam bentuk kredit.fungsi utama bank disiniadalah menyalurkan kredit sehingga dari kegiatan tersebut setiap bank akan memperoleh bunga pinjaman dari hasil kegiatan penyaluran kredit tersebut sehingga semakin besar jumlah kredit yang dapat mereka salurkan maka pendapatan bunga akan semakin besar dengan begitu secara tidak langsung hal ini juga akan meningkatkan tingkat keuntungan yang dapat diperoleh bank tersebut.
Tingkat Kemampuan Bank dalamMendapatkanKeuntungan Salah satunya di ukurdenganNon Performing Loan (NPL). Tujuan Penelitian ini adalah untuk menguji Capital Adecuacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO), Net Interest Margin (NIM) terhadap Non Performing Loan (NPL) Pada Bank Umum Swasta Nasional Yang Terdaftar di Bursa Efek Indonesia Periode 2012-2016.
Populasi dalam Penelitian ini Pada Bank Umum swasta Nasional Sampel yang digunakan 15 perusahaan pada bank umum swasta nasional yang terdaftar di Bursa Efek Indonesia periode 2012-2016. Dalam penelitian ini teknik pengambilan sampel yang digunakan adalah sampling jenuh (sensus) yaitu teknik penentuan sampel apabila semua anggota populasi digunakan sebagai sampel. Data yang diperoleh dari www.idx.co.id. Teknik analisis yang digunakan adalah analisis regresi linear berganda.
Hasil Penelitian ini menemukan bahwa Capital Adecuacy Ratio (CAR) dan Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh terhadap Non Performing Loan(NPL) Sedangkan Net Interest Margin Tidak Berpengaruh Terhadap Non Performing Loan (NPL).
Kata Kunci :Capital Adecuacy Ratio (CAR), BiayaoperasionalPendapatanOperasional (BOPO), Net Interest Margin (NIM), Non Performing Loan (NPL)

EFFECT OF CAPITAL ADECUACY RATIO (CAR), COSTS OF OPERATIONAL OPERATIONAL REVENUE (BOPO), NET INTEREST MARGIN (NIM) ON TRACK CREDIT (NON PERFORMING LOAN) IN NATIONAL PRIVATE COMMERCIAL BANKS LISTED IN THE EFFECT OF THE 2012-2016 PERIOD

By : AriatiArleni
Supervisor : Dr. Listiana Sri Mulatsih S.E, M.M
NailalHusna S.E, M.Si

SUMMARY
Bank are intermediary institutions (financial intermediaries) that channel funds from parties who have excess funds (idle funds) to those who need funds or lack of funds in the form of credit. the main function of the bank here is to channel credit so that from these activities each bank will obtain interest on loans from the results of the lending activities so that the greater the amount of credit they can channel, the greater the interest income will indirectly increase profitability. that can be obtained by the bank.
The Bank's Ability to Gain Profits One of them is measured by Non-Performing Loans (NPLs). The purpose of this study was to examine the Capital Adecuacy Ratio (CAR), Operational Income Operating Costs (BOPO), Net Interest Margin (NIM) on Non-Performing Loans (NPL) at National Private Commercial Banks Registered on the Indonesia Stock Exchange for the 2012-2016 Period.
Population in this study at National Private Commercial Bank Samples used by 15 companies at national private commercial banks listed on the Indonesia Stock Exchange for the 2012-2016 period. In this study the sampling technique used is saturated sampling (census) which is a sample determination technique if all members of the population are used as samples. Data obtained from www.idx.co.id. The analysis technique used is multiple linear regression analysis.
The results of this study found that Capital Adecuity Ratio (CAR) and Operational Income Operating Costs (BOPO) affect Non-Performing Loans (NPLs), while Net Interest Margin Has No Influence on Non-Performing Loans (NPLs) .
Keywords: Capital Adequacy Ratio (CAR), Operating Income Operating Costs (BOPO), Net Interest Margin (NIM), Non-Performing Loans (NPL)