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Analisis Pengaruh Non Performing Loan Dan Loan To Deposit Ratio Terhadap Profitabilitas (Studi Kasus Pada PT. Bank Tabungan Negara (Persero) Tbk)

Undergraduate Theses from JBPTUNIKOMPP / 2015-09-10 08:26:00
By : Yunita Saragih NIM. 21107151, Perpustakaan UNIKOM
Created : 2013-02-07, with 13 files

Keyword : Non Performing Loan, Loan To Deposit Ratio, Profitabilitas
Url : http://alumni.unikom.ac.id

Penelitian ini dilakukan pada PT. Bank Tabungan Negara (Persero) Tbk. Yang bergerak dibidang perbankan, diantaranya kredit yang merupakan bisnis utama bank. Pengelolaan kredit yang kurang baik akan beresiko kredit bermasalah atau Non Performing Loan, yaitu sebagai pinjaman yang mengalami kesulitan pelunasan. Tujuan dari penelitian adalah untuk mengetahui hubungan Non Performing Loan dan Loan To Deposit Ratio terhadap Profitabilitas (ROA) PT. Bank Tabungan Negara (Persero) Tbk baik secara parsial maupun simultan. Metode penelitian yang digunakan adalah metode deskriptif dan verifikatif. Sampel yang digunakan pada penelitian ini adalah data keuangan berupa Neraca, Laba/Rugi dan Kualitas Aktiva Produktif PT Bank Tabungan Negara (Persero), periode Triwulan I tahun 2005 sampai dengan triwulan IV tahun 2010 dan untuk menentukan sampel yang akan diteliti, menggunakan teknik nonprobability sampling. Untuk mengetahui hubungan Non Performing Loan dan Loan To Deposit Ratio terhadap Profitabilitas (ROA) menggunakan analisis korelasi. Untuk mengetahui pengaruh Non Performing Loan dan Loan To Deposit Ratio terhadap Profitabilitas (ROA) digunakan analisis regresi berganda. Pengujian hipotesis dalam penelitian ini menggunakan statistik thitung sebesar 2,490 berada pada daerah penolakan Ho, yang berarti bahwa non performing loan secara parsial berpengaruh signifikan terhadap profitabilitas pada PT. Bank Tabungan Negara (Persero), Tbk. Proses analisis statistik tersebut menggunakan program SPSS.18 for windows. Dari hasil penelitian dapat disimpulkan Non Performing Loan secara parsial bahwa thitung sebesar 2,490 berada pada daerah penolakan Ho, yang berarti bahwa Non Performing Loan secara parsial berpengaruh signifikan terhadap profitabilitas pada PT. Bank Tabungan Negara (Persero), Tbk, sedangkan Loan To Deposit Ratio tidak berpengaruh signifikan terhadap tingkat profitabilitas pada PT. Bank Tabungan Negara (Persero), Tbk. Secara simultan pengaruh Non Performing Loan dan loan to deposit ratio sebesar 35,2% artinya perubahan profitabilitas pada PT Bank Tabungan Negara tidak begitu bergantung pada perubahan Non Performing Loan dan perubahan loan to deposit ratio.

Description Alternative :

The research was conducted at PT. Bank Tabungan Negara Tbk. Engaged in banking, including business credit is a major bank. Credit management will be at risk of poor performing loans or non-performing loans, ie as a loan repayment difficulties. The purpose of this study was to determine the relationship Non Performing Loans and Loan To Deposit Ratio of profitability (ROA) PT. Bank Tabungan Negara either partially or simultaneously. The method used is descriptive method and verifikatif. The samples used in this study is the financial data of the Balance Sheet, Profit / Loss and Quality of Earning Assets State Savings Bank (Limited), the period first quarter 2005 to fourth quarter of 2010 and to determine the sample to be studied, using nonprobability sampling technique . To determine the relationship of Non Performing Loans and Loan To Deposit Ratio of profitability (ROA) using correlation analysis. To determine the effect of non-performing loans and Loan To Deposit Ratio of profitability (ROA) used multiple regression analysis. Testing the hypothesis in this study using statistical tcount of 2.490 was the refusal to Ho, which means that non-performing loan is partially significant effect on profitability at PT. Bank Tabungan Negara, Tbk. The process of statistical analysis used the program SPSS.18 for windows. From the research we can conclude the partial non-performing loans that tcount of 2.490 was the refusal to Ho, which means that non-performing loans are partially significant effect on profitability at PT. Bank Tabungan Negara, Inc., Loan To Deposit Ratio whereas no significant effect on the level of profitability at PT. Bank Tabungan Negara, Tbk. Simultaneous influence of non-performing loans and loan to deposit ratio of 35.2% means that changes in profitability in the State Savings Bank is not so dependent on changes in non-performing loans and loan to deposit ratio changes.

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