Pengaruh Loan To Deposit Ratio, Biaya Operasional Pendapatan Operasional, Dan Capital Adequacy Ratio Terhadap Non Performing Loan (npl) (studi Pada Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2014-2017)

Abstract

ABSTRAK Kredit bermasalah atau Non Performing Loan (NPL) menunjukan kinerja fungsi suatu bank yang akan mencerminkan kesehatan bank tersebut. Apabila tingkat Non Performing Loan (NPL) tinggi menunjukkan bahwa kesehatan bank yang rendah dan memiliki kredit bermasalah yang tinggi dalam kegiatannya operasionalnya tersebut. Oleh karena itu penulis akan menganalisis faktor-foktor yang dianggap memiliki pengaruh terhadap Non Performing Loan (NPL). Penelitian ini bertujuan untuk menjelaskan dan menguji bagaimana Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Opersional (BOPO), dan terhadap Non Performing Loan (NPL) pada sub perbankan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2014-2017. Metode penelitian ini menggunakan metode kuantitatif. Populasi penelitian ini adalah seluruh perbankan yang terdaftar di Bursa Efek Indoensia (BEI) selama periode 2014-2017 sebanyak 42 perbankan. Teknik pengambilan sampling menggunakan metode purposive sampling dengan jumlah sampel sebanyak 36 perbankan selama 4 tahun, dihilangkan data outlier sebanyak 17 data sehingga jumlah unit sampel sebanyak 127 data. Pengujian hipotesis penelitian ini menggunakan analisis regresi data panel dengan menggunakan aplikasi Eviews 9. Berdasarkan hasil penelitian diharapkan peneliti selanjutnya menambah sampel penelitian dan menggunakan variabel lain diluar penelitian ini. Diharapkan bank lebih memperhatikan Biaya Operasional Pendapatan Opersional (BOPO) dan Capital Adequacy Ratio (CAR) sebaik mungkin. Kata KunciBiaya Operasional Pendapatan Opersional (BOPO); Capital Adequacy Ratio (CAR); Loan to Deposit Ratio (LDR); Non Performing Loan (NPL). ABSTRACT Non-performing loans (NPLs) shows the performance of a bank's function that will reflect banks health. If the level of Non Performing Loans (NPL) high that shows the banks health is low and non-performing loans high in its operational activities. Therefore, authors will analyze the factors that are considered to have an impact on Non Performing Loans (NPL). This study aims to examine how the Loan to Deposit Ratio (LDR), Operational Income Costs (BOPO), and Non-Performing Loans (NPLs) on sub-banks that listed on the Indonesia Stock Exchange (IDX) in the period of 2014-201. This research method uses quantitative methods. The population is all banks listed on the Indonesia Stock Exchange (IDX) in the period of 2014-2017 as many 42 banks. The sampling technique used purposive sampling method with a total sample 36 banks for 4 years, outlier data was omitted by 17 data so the sample units was 127 data. Test the hypothesis of this study uses panel data regression analysis using Eviews 9. Based on the results of this study, it is expected that further researchers add more the research sample and use other variables outside of this study. The bank expected to pay more attention to Operational Income Costs (BOPO) and Capital Adequacy Ratio (CAR) as best as possible Keywords: Capital Adequacy Ratio (CAR); Loan to Deposit Ratio (LDR); Non Performing Loan (NPL) Operational Income Operational Costs (BOPO).