PENGARUH PERTUMBUHAN PENGHIMPUN DANA DAN
PENYALURAN DANA TERHADAP PERTUMBUHAN NIM
PADA BANK PEMERINTAH
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
WULANDARI, ICHA
Subject
332.12 - BANKS & BANKING
Datestamp
2016-07-22 04:14:39
Abstract :
The ratio that can be used to measure the banks operations? efficiency and effectiveness is ratio of operating expense compared to operating income (BOPO). So hence this study simed to determine yhe influense of various financial ratio for BOPO in the National Private Commercial Bank (BUSN), particularly on private go public of national banks in the period from 2009 to 2012. The research was conducted by examining the private commercial banks nationwide had an average BOPO ratio increased in late 2012, The study conducted by taking samples of 4 bank consist of Ganesha Bank, ICB Bumiputera Bank, Kesawan Bank, and Bank of India Indonesia. The technique used in this study was descriptive analysis using quantitative statistical named linier regression method. Calculations of analysis done using SPSS 11.5 for Windows. Together all the independent variables (LDR, IPR, APB, NPL, PPAP, IRR and PDN ) effects significant toward BOPO. Independent variables are jointly able to explain the magnitude of BOPO was 28,8%. This study showed only a APB has significant positive influences toward BOPO. Meanwhile, LDR and IPR partially have influence negative unsignificant toward BOPO on National Private Commercial Bank. NPL and PPAP partially have influence positive unsignificant toward BOPO on National Private Commercial Bank. IRR and PDN partially have influence unsignificantly toward BOPO on National Private Commercial Bank. Keyword : BUSN, LDR, IPR, APB, NPL, PPAP, IRR, PDN, BOPO
The ratio that can be used to measure the banks operations? efficiency and effectiveness is ratio of operating expense compared to operating income (BOPO). So hence this study simed to determine yhe influense of various financial ratio for BOPO in the National Private Commercial Bank (BUSN), particularly on private go public of national banks in the period from 2009 to 2012. The research was conducted by examining the private commercial banks nationwide had an average BOPO ratio increased in late 2012, The study conducted by taking samples of 4 bank consist of Ganesha Bank, ICB Bumiputera Bank, Kesawan Bank, and Bank of India Indonesia. The technique used in this study was descriptive analysis using quantitative statistical named linier regression method. Calculations of analysis done using SPSS 11.5 for Windows. Together all the independent variables (LDR, IPR, APB, NPL, PPAP, IRR and PDN ) effects significant toward BOPO. Independent variables are jointly able to explain the magnitude of BOPO was 28,8%. This study showed only a APB has significant positive influences toward BOPO. Meanwhile, LDR and IPR partially have influence negative unsignificant toward BOPO on National Private Commercial Bank. NPL and PPAP partially have influence positive unsignificant toward BOPO on National Private Commercial Bank. IRR and PDN partially have influence unsignificantly toward BOPO on National Private Commercial Bank. Keyword : BUSN, LDR, IPR, APB, NPL, PPAP, IRR, PDN, BOPO
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