ANALISIS PERMODALAN, PENYALURAN DANA, DIVERSIFIKASI PENDAPATAN, NIM DAN RISIKO KREDIT TERHADAP KINERJA KEUNGAN PERBANKAN (Studi Empiris BUSN yang terdaftar di BEI periode 2012-2015)
Abstract: This research is
about analyze the effect of capital (Capital Adequacy Ratio), distribution of
funds (Loan to Deposit Ratio), income diversification (HHIDIV), Net Interest
Margin, and credit risk (Non Performing Loan) to Financial Performance with
Proxy Profitability (ROA) . Population used object in this research is Private
National Bank both Foreign Exchange and Non Foreign Exchange listed on
Indonesia Stock Exchange (BEI) period 2012-2015.
The financial performance proxied by ROA at National Private Banks
decreased during the research period, then the variables that were suspected to
be factors affecting ROA had an inconsistent influence. In this study using the
dependent variable is ROA while the independent variables used are CAR, LDR,
HHIDIV, NIM and NPL. The method of analysis in this study using multiple linear
regression using SPSS21.
The result of the research shows that NIM and NPL have significant
influence to financial performance of BUSN, NIM has positive and significant
influence to financial performance of BUSN (ROA), while credit risk (NPL) has a
negative and significant effect to financial performance of BUSN (ROA). Then
the CAR, LDR and HHIDIV variables have no significant effect on the financial
performance of BUSN (ROA). The predicted ability of these five independent
variables on ROA in this study amounted to 50.7% while the remaining 49.3%
influenced by other variables not included in this study.
Keywords: Capital (CAR),
Distribution of Fund (LDR), Income Diversification, Net Interest Margin, Credit
Risk (NPL), and Financial Performance (ROA)
Penulis: Dwi Nanda Meyrantika,
A. Mulyo Haryanto
Kode Jurnal: jpmanajemendd170764
