| dc.contributor.author | L KHAKIM, MUHAMMAD AULIYA AL | |
| dc.date.accessioned | 2018-04-17T07:33:11Z | |
| dc.date.available | 2018-04-17T07:33:11Z | |
| dc.date.issued | 2018-02-27 | |
| dc.identifier.uri | http://repository.umy.ac.id/handle/123456789/18531 | |
| dc.description | Perbankan merupakan suatu lembaga keuangan (financial institution) yang memiliki tugas sebagai perantara atau intermediasi keuangan antara pihak-pihak yang memiliki kelebihan dana dengan pihak yang kekurangan dana. Penyaluaran kredit merupakan salah satu fungsi perbankan dimana dana yang dihimpun berupa simpanan seperti tabungan, giro dan deposito disalurkan kembali kepada masyarakat dalam berbagai macam bentuk kredit. Besarnya dana yang disalurkan dalam bentuk kredit akan menentukan keuntungan bank yang diperoleh dari pendapatan bank berupa bunga.
Populasi yang digunakan dalam penelitian ini adalah seluruh perusahaan perbankan yang listed di Bursa Efek Indonesia pada periode pengamatan tahun 2012-2016 sejumlah 42 perusahaan perbankan. Sesuai dengan kebutuhan maka dalam pemilihan sampel menggunakan metode purposive sampling sehingga diperoleh 29 perusahaan yang sesuai dengan kriteria. Variabel yang diteliti dalam penelitian ini antara lain Capital Adequasy Ratio, Non-Performing Loan dan Return on Assets serta Loan to Deposit Ratio.
Berdasarkan hasil pengujian Variabel Capital Adequasy Ratio, Non-Performing Loan dan Return on Assets berpengaruh bersama-sama terhadap Loan to Deposit Ratio. Berdasarkan uji residual menunjukkan ketiga variabel berpengaruh sebesar 36,27% terhadap Loan to Deposit Ratio dan sisanya dipengaruhi variabel lainnya. Hasil korelasi parsial menunjukkan tiga hipotesis yang diajukan, dua diantaranya diterima diantaranya H1: Capital Adequasy Ratio (CAR) berpengaruh positif dan signifikan terhadap Loan to Deposit Ratio dengan nilai signifikansi sebesar 0,0001% dan H2: Return on Assets (ROA) berpengaruh positif dan signifikan terhadap Loan to Deposit Ratio dengan nilai signifikansi sebesar 0%. Satu hipotesis lain dengan variabel Non-Performing Loan (NPL) ditolak dikarenakan tidak signifikan terhadap Loan to Deposit Ratio. | en_US |
| dc.description.abstract | Banking is a financial institution (financial institution) which has a duty as an intermediary or financial intermediation between parties who have excess funds with parties lacking funds. Credit disbursement is one of the banking functions where funds collected in the form of savings such as savings, demand deposits and time deposits are channeled back to the community in various forms of credit. The amount of funds disbursed in the form of credit will determine the bank profits derived from bank income in the form of interest.
The population used in this study are all banking companies listed on the Indonesia Stock Exchange in the period of observation year 2012-2016 a number of 42 banking companies. In accordance with the needs of the sample selection using purposive sampling method so that obtained 29 companies in accordance with the criteria. The variables studied in this research are Capital Adequasy Ratio, Non-Performing Loan and Return on Assets and Loan to Deposit Ratio.
Based on the result of testing of Variable Capital Adequasy Ratio, Non-Performing Loan and Return on Assets influence together to Loan to Deposit Ratio. Based on the Residual test shows the three variables affecting 36.27% against the Loan to Deposit Ratio and the rest influenced by other variables. The result of partial correlation shows three hypothesis proposed, two of which are accepted among others H1: Capital Adequasy Ratio (CAR) have positive and significant effect to Loan to Deposit Ratio with significance value equal to 0.0001% and H2: Return on Assets (ROA) have positive and significant to the Loan to Deposit Ratio with a significance value of 0%. One other hypothesis with Non-Performing Loan (NPL) variable was rejected due to not significant to Loan to Deposit Ratio. | en_US |
| dc.publisher | FE UMY | en_US |
| dc.subject | Bank, Capital Adequasy Ratio, Non-Performing Loan Return on Assets, Loan to Deposit Ratio. Bank, Capital Adequasy Ratio, Non-Performing Loan Return on Assets, Loan to Deposit Ratio. | en_US |
| dc.title | ANALISIS PENGARUH TINGKAT CAPITAL ADEQUASY RATIO (CAR), NON-PERFORMING LOAN (NPL) DAN RETURN ON ASSETS (ROA) TERHADAP LOAN TO DEPOSIT RATIO PERBANKAN DI INDONESIA | en_US |
| dc.title.alternative | (STUDI PADA BANK UMUM KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONSIA PERIODE 2012-2016) | en_US |
| dc.type | Thesis
SKR
FEB
054 | en_US |
