Pengaruh Capital Adequancy Ratio (car), Non Performing Loan Gross (npl Gross), Return On Asset (roa) Terhadap Dana Pihak Ketiga (studi Pada Bank Konvensional Yang Terdaftar Di Bursa Efek Indonesia 2015 - 2018)

Abstract

Abstrak Dana pihak ketiga perbankan mempunyai peran yang sangat penting dalam struktur modal bank daripada modal pemilik perbankan itu sendiri. Kenaikan dana pihak ketiga merupakan cerminan tolak ukur keberhasilan suatu bank apabila bank dapat menanggung biaya operasinya dari sumber dana ini. Penelitian ini bertujuan untuk menguji beberapa rasio yang terdapat pada laporan keuangan terhadap dana pihak ketiga. Rasio yang digunakan adalah capital adequancy ratio, non performing loan serta return on asset terhadap dana pihak ketiga pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI). Populasi dalam penelitian ini adalah perusahaan perbankan konvensional yang terdaftar di Bursa Efek Indonesia tahun 2015-2018. Teknik pengambilan sampel yang digunakan yaitu purposive sampling dan diperoleh 39 perusahaan dengan periode penelitian selama 4 tahun, sehingga diperoleh 156 data sampel. Metode analisis data dalam penelitian ini adalah data panel dengan menggunakan software Eviews10. Hasil penelitian menunjukkan bahwa secara simultan rasio capital adequancy ratio, non performing loan dan return on asset berpengaruh terhadap dana pihak ketiga. Secara parsial non performing loan dan return on asset berpengaruh signifikan dengan arah negatif terhadap dana pihak ketiga. Capital adequancy ratio tidak berpengaruh signifikan dengan arah positif terhadap dana pihak ketiga. Berdasarkan hasil penelitian ini, diharapkan peneliti selanjutnya menggunakan variabel lain yang tidak terdapat pada penelitian ini. Hasil penelitian ini diharapkan dapat berkontribusi bagi pelanggan dalam memutuskan penempatan dana di bank Kata Kunci: Capital Adequancy Ratio, Non Performing Loan, Return On Asset, Dana Pihak Ketiga Abstract Banking third party funds have a very important role in the structure of bank capital rather than the capital of the bank owner itself. The increase in third party funds is a reflection of the benchmark for the success of a bank if the bank can cover the operating costs of this source of funds. This study aims to examine some of the ratios found in financial statements against third party funds. The ratio used is a capital adequacy ratio, non-performing loans and return on assets to third party funds in banking companies listed on the Indonesia Stock Exchange (IDX). The population in this study are conventional banking companies listed on the Indonesia Stock Exchange in 2015-2018. The sampling technique used was purposive sampling and obtained 39 companies with a research period of 4 years, so that 156 sample data were obtained. The method of data analysis in this study is panel data using Eviews10 software. The results showed that the ratio of capital adequacy ratio, non-performing loan and return on assets simultaneously affected third party funds. Partially non-performing loans and return on ISSN : 2355-9357 e-Proceeding of Management : Vol.6, No.3 Desember 2019 | Page 5698 assets have a significant effect on the negative direction of third party funds. Capital adequacy ratio does not significantly influence the positive direction of third party funds. Based on the results of this study, it is expected that further researchers use other variables not found in this study. The results of this study are expected to contribute to customers in deciding the placement of funds in the bank Keyword : Capital Adequancy Ratio, Non Performing Loans, Return On Assets, Third Party Funds