Karolina, - (2014) PENGARUH KECUKUPAN MODAL TERHADAP PROFITABILITAS : Suatu Kasus pada Bank Umum Syariah Swasta Nasional Nondevisa di Indonesia. S1 thesis, Universitas Pendidikan Indonesia.
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Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh kecukupan modal terhadap profitabilitas pada Bank Umum Syariah Swasta Nasional Nondevisa, dimana kecukupan modal diproksikan oleh Capital Adequacy Ratio (CAR) dan profitabilitas diproksikan oleh Return on Assets (ROA). Metode penelitian yang digunakan adalah metode deskriptif verifikatif. Adapun teknik pengumpulan data yang digunakan adalah metode dokumentasi. Data berupa laporan keuangan dan laporan tahunan yang diperoleh dari situs resmi masing-masing bank. Pengolahan data dalam penelitian ini menggunakan perhitungan statistik korelasi Pearson Product Moment, selanjutnya dilakukan pengujian korelasi menggunakan uji t dengan tingkat signifikansi 5%. Berdasarkan hasil pengolahan data, diketahui kecukupan modal mengalami fluktuasi cenderung menurun, tetapi nilai CAR masih berada di atas standar minimal modal yang ditentukan oleh Bank Indonesia, sedangkan profitabilitas mengalami fluktuasi cenderung turun pula, namun posisi ROA berada di bawah standar minimal yang ditetapkan Bank Indonesia. Dengan demikian, berdasarkan pengujian statistik diperoleh hasil bahwa kecukupan modal berpengaruh positif sebesar 25,5% terhadap profitabilitas, sedangkan sisanya sebesar 74,5% dipengaruhi oleh faktor-faktor lain yang tidak dibahas dalam penelitian ini. Artinya, semakin tinggi kecukupan modal maka semakin tinggi pula profitabilitasnya. Begitu pula sebaliknya, semakin rendah kecukupan modal maka profitabilitasnya pun akan semakin rendah. Kata Kunci: Kecukupan Modal, Profitabilitas. The aims of this research are to know the influence of capital adequacy to profitability in The National Private Non-Foreign Exchange Islamic Bank in Indonesia, where capital adequacy is proxied by Capital Adequacy Ratio (CAR) and profitability is proxied by Return on Assets (ROA). The research method which used is descriptive verification method. Whereas, collecting the data used document method. The data is financial statements and annual report, obtained from the official website of each bank. Data processing in this research uses calculation statistic correlation Pearson Product Moment, then is done the correlation test using t test with a level of significance is 5%. Based on the result of the data processing, note capital adequacy experienced fluctuations tend to decline, but the value of CAR is above the minimal standard rules of Indonesia Bank, whereas profitability experienced fluctuations tends to decline too, but ROA position less than minimal standard rules of Indonesia Bank. Thus, based on the statistical test result that capital adequacy was 25,5% positive impact to profitability, while the remaining 74,5% is influenced by other factors that are not discussed in this research. It means, the higher capital adequacy, the profitability will also be higher. Otherwise the lower capital adequacy, the profitability will also lower. Keyword: Capital Adequacy, Profitability.
| Item Type: | Thesis (S1) |
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| Additional Information: | No.Panggil: S PEA KAR p-2014 |
| Uncontrolled Keywords: | Kecukupan Modal, Profitabilitas. |
| Subjects: | L Education > L Education (General) |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Akuntansi |
| Depositing User: | Staff DAM |
| Date Deposited: | 18 Mar 2015 02:01 |
| Last Modified: | 18 Mar 2015 02:01 |
| URI: | http://repository.upi.edu/id/eprint/14092 |
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