ANALISIS PENGARUH DANA PIHAK KETIGA, BOPO, CAR DAN LDR TERHADAP KINERJA KEUANGAN PADA SEKTOR PERBANKAN YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI) (Periode 2005-2008)
ABSTRACT: Various banks in the case of
Indonesia, such as cases with Edi Tansil Bapindo which loss the state 1.3
trillion, the case of BNI Kebayoran Baru which loss the state 1.2 trillion, the
case of undisbursed loan credit alias that is not withdrawn by the debtor
amounting to Rp 474.23 trillion per April 2010. But in the first quarter of
2009 national banking conditions have shown signs of improvement, as seen in
the increasing ratio of capital adequacy ratio above 17% and the average NPL is
still quite manageable sebasar 3.9%. This condition is not expected to make the
banking industry to loosen the spirit of credit, because after all the
national, financial institutions still anticipating the possibility of
continued volatility of global financial crisis. This study aims to analyze the
influence of third party funds (TPF), the Operational Cost to Operational
Expenses (BOPO), Capital Adequancy Ratio (CAR) and Loan to Deposit Ratio (LDR)
on the financial performance of the banking sector, which went public in Indonesia
Stock Exchange period 2005-2008. The research proves that not all of the
variables used in this research have a significant effect on the financial
performance. Where the variable influence of Third Party Funds (TPF), the
Operational Cost to Operational Expenses (BOPO), Capital Adequancy Ratio (CAR),
which proved to have a significant effect on the financial performance, while
the loan to deposit ratio (LDR) no significant effect on financial performance
at 5% confidence level.
Keywords:
DPK, BOPO, CAR, LDR, ROA
Penulis: Bambang
Sudiyatno (Universitas Stikubank, Semarang)
Kode Jurnal: jpakuntansidd100001
