PENGARUH NON PERFORMING LOAN (NPL), DEBT TO EQUITY RATIO
(DER) , BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL
(BOPO) TERHADAP PROFITABILITAS (Studi Pada Perusahaan Sub Sektor Bank Pembangunan Daerah Yang Terdaftar Di Otoritas Jasa Keuangan Periode 2013
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Institusion
Universitas Darma Persada
Author
Arief, Nugroho
Subject
658.81 Sales Management/Manajemen Pemasaran
Datestamp
2024-04-16 03:03:23
Abstract :
ABSTRACT Arief Nugroho (2016410170) Title: THE EFFECT OF NON PERFORMING LOAN (NPL), DEBT TO EQUITY RATIO (DER), OPERATIONAL COST AND OPERATIONAL INCOME (BOPO) ON PROFITABILITY (Study in Regional Development Bank Sub Sector Companies Registered in the Financial Services Authority 2013-2019) Field of Science: Financial Management, under the guidance of Mrs. Irma Citarayani, SE., M.Si. This study aims to determine the effect of Non-Performing Loans (NPL), Debt to Equity Ratio (DER), Operational Costs and Operating Income (BOPO) on profitability. This research was conducted with quantitative methods of annual financial statement data for the 2013-2019 period of the Regional Development Bank Sub Sector company based on a sample that was determined by purposive sampling, there were 5 companies that met the research criteria. This study uses a data testing tool that is a classic assumption test and data analyzed using multiple linear regression analysis tools. Based on the results of the analysis it was found that; partially Non Performing Loans (NPL), Debt to Equity Ratio (DER), Operational Costs and Operating Income (BOPO) have no effect and are not significant to profitability. Adjusted R2 value of 0.033 (3.3%) which means that all independent variables are able to influence the dependent variable by 3.3% and 0.967 (96.7%) influenced by other variables. The multiple linear regression equation in this study is formulated as follows: ABSTRAK Arief Nugroho (2016410170) Judul : PENGARUH NON PERFORMING LOAN (NPL), DEBT TO EQUITY RATIO (DER), BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS (Studi Pada Perusahaan Sub Sektor Bank Pembangunan Daerah Yang Terdaftar Di Otoritas Jasa Keuangan Periode 2013-2019) Bidang Ilmu: Manajemen Keuangan, dibawah bimbingan Ibu Irma Citarayani, SE., M.Si. Penelitian ini bertujuan untuk mengetahui pengaruh Non Performing Loan(NPL), Debt to Equity Ratio(DER), Biaya Operasional dan Pendapatan Operasional(BOPO) terhadap profitabilitas. Penelitian ini dilakukan dengan metode kuantitatif data laporan keuangan tahunan periode 2013-2019 perusahaan Sub Sektor Bank Pembangunan Daerah berdasarkan sampel yang telah ditentukan purposive sampling, ada 5 perusahaan yang memenuhi kriteria penelitian. Penelitian ini menggunakan alat pengujian data yaitu uji asumsi klasik dan data dianalisis menggunakan alat analisis regresi linear berganda. Berdasarkan hasil analisis ditemukan bahwa; secara parsial Non Performing Loan(NPL), Debt to Equity Ratio(DER), Biaya Operasional dan Pendapatan Operasional(BOPO) tidak berpengaruh dan tidak signifikan terhadap Profitabilitas. Nilai Adjusted R2 sebesar 0,033 (3,3%) yang artinya bahwa seluruh variabel independen mampu mempengaruhi variabel dependen sebesar 3,3% dan 0,967 (96,7%) dipengaruhi variabel lain. Persamaan regresi linear berganda pada penelitian ini dirumuskan sebagai berikut : Y= 0,012 + 0,035 NPL + 0,00046 DER - 0,00005316 BOPO +
ABSTRACT Arief Nugroho (2016410170) Title: THE EFFECT OF NON PERFORMING LOAN (NPL), DEBT TO EQUITY RATIO (DER), OPERATIONAL COST AND OPERATIONAL INCOME (BOPO) ON PROFITABILITY (Study in Regional Development Bank Sub Sector Companies Registered in the Financial Services Authority 2013-2019) Field of Science: Financial Management, under the guidance of Mrs. Irma Citarayani, SE., M.Si. This study aims to determine the effect of Non-Performing Loans (NPL), Debt to Equity Ratio (DER), Operational Costs and Operating Income (BOPO) on profitability. This research was conducted with quantitative methods of annual financial statement data for the 2013-2019 period of the Regional Development Bank Sub Sector company based on a sample that was determined by purposive sampling, there were 5 companies that met the research criteria. This study uses a data testing tool that is a classic assumption test and data analyzed using multiple linear regression analysis tools. Based on the results of the analysis it was found that; partially Non Performing Loans (NPL), Debt to Equity Ratio (DER), Operational Costs and Operating Income (BOPO) have no effect and are not significant to profitability. Adjusted R2 value of 0.033 (3.3%) which means that all independent variables are able to influence the dependent variable by 3.3% and 0.967 (96.7%) influenced by other variables. The multiple linear regression equation in this study is formulated as follows: ABSTRAK Arief Nugroho (2016410170) Judul : PENGARUH NON PERFORMING LOAN (NPL), DEBT TO EQUITY RATIO (DER), BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS (Studi Pada Perusahaan Sub Sektor Bank Pembangunan Daerah Yang Terdaftar Di Otoritas Jasa Keuangan Periode 2013-2019) Bidang Ilmu: Manajemen Keuangan, dibawah bimbingan Ibu Irma Citarayani, SE., M.Si. Penelitian ini bertujuan untuk mengetahui pengaruh Non Performing Loan(NPL), Debt to Equity Ratio(DER), Biaya Operasional dan Pendapatan Operasional(BOPO) terhadap profitabilitas. Penelitian ini dilakukan dengan metode kuantitatif data laporan keuangan tahunan periode 2013-2019 perusahaan Sub Sektor Bank Pembangunan Daerah berdasarkan sampel yang telah ditentukan purposive sampling, ada 5 perusahaan yang memenuhi kriteria penelitian. Penelitian ini menggunakan alat pengujian data yaitu uji asumsi klasik dan data dianalisis menggunakan alat analisis regresi linear berganda. Berdasarkan hasil analisis ditemukan bahwa; secara parsial Non Performing Loan(NPL), Debt to Equity Ratio(DER), Biaya Operasional dan Pendapatan Operasional(BOPO) tidak berpengaruh dan tidak signifikan terhadap Profitabilitas. Nilai Adjusted R2 sebesar 0,033 (3,3%) yang artinya bahwa seluruh variabel independen mampu mempengaruhi variabel dependen sebesar 3,3% dan 0,967 (96,7%) dipengaruhi variabel lain. Persamaan regresi linear berganda pada penelitian ini dirumuskan sebagai berikut : Y= 0,012 + 0,035 NPL + 0,00046 DER - 0,00005316 BOPO +
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