PENGARUH KECUKUPAN MODAL DAN PROFITABILITAS TERHADAP PENYALURAN KREDIT :Kasus Bank Umum Go Public Periode 2009-2013

Pauji, Maulana Rohman (2014) PENGARUH KECUKUPAN MODAL DAN PROFITABILITAS TERHADAP PENYALURAN KREDIT :Kasus Bank Umum Go Public Periode 2009-2013. S1 thesis, Universitas Pendidikan Indonesia.

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Abstract

Penelitian ini bertujuan untuk menguji pengaruh Kecukupan Modal dan Profitabilitas terhadap Penyaluran Kredit. Penelitian ini juga bertujuan untuk menggambarkan keadaan Kecukupan Modal yang diproksikan oleh Capital Adequacy Ratio dan Profitabilitas yang diproksikan oleh Return On assets terhadap Penyaluran Kredit yang diproksikan oleh Loan to Deposit Ratio pada Bank Umum Go Public. Penelitian ini dilakukan pada Bank Umum Go Public pada tahun 2009-2013. Data diperoleh dari website resmi masing-masing Bank Umum Go Public dan Bursa Efek Indonesia d metode deskriftif asosiatif. Teknik analisis data yang digunakan adalah regresi linier multiple dan uji F-statistik untuk menguji keberartian regresi serta uji t-statistik untuk menguji keberartian koefisien regresi dengan tingkat kesalahan 5%. Sebelumnya telah dilakukan uji asumsi klasik yaitu uji linieritas, uji multikorelasi, uji heteroskedastisitas, dan uji autokorelasi. Hasil penelitian menunjukan bahwa data berbentuk linier. Berdasarkan uji multikolinieritas, uji heteroskedastisitas, dan uji autokorelasi tidak ditemukan variable yang menyimpang dari uji asumsi klasik. Secara parsial kecukupan modal tidak berpengaruh terhadap penyaluran kredit dan profitabilitas berpengaruh positif terhadap penyaluran kredit, artinya apabila profitabilitas naik maka penyaluran kredit naik. Hal yang sama terjadi apabila profitabilitas turun penyaluran kredit turun. Kata Kunci: Kecukupan Modal, Profitabilitas, Penyaluran Kredit This research aims to examine the influence of capital adequacy and probability on credit distribution. This research also aims to describe capital adequacy condition which is stated by Capital Adequacy Ratio and probability which is stated by Return on assets on credit of banking which is stated by Loan to Deposit Ratio in Go public Commercial Bank. This Research was performed on Go Public Commercial Bank in the year 2009-2013. The Data was obtained from each go public commercial bank official website and Indonesia stock exchange with descriptive and verification method. The data analysis technique used are multiple linear regression and the F-test statistical test to test the significance of regression and t-test statistical to test the significance of regression coefficients with 5% error level. The classical assumption which are linearity test, multicorrelation test, heteroscedasticity test and autocorrelation test have been done previously. Result of the research showed that the data form is linier. Based on multicollinearity test, heteroscedasticity test and autocorrelation test the deviated variables from classical assumption test has not been found. Based on statistical test . Partially, the capital adequacy has not influence on credit distribution, and profitability has positive influence on credit of banking. Otherwise, if the profitability increases, credit of banking will also increase. Same as if there is decreasing in profitability, the credit of banking will also decrease. Keywords : capital adequacy, profitability, credit of banking

Item Type: Skripsi,Tesis,Disertasi (S1)
Additional Information: No. Panggil : S PEA PAU p-2014 Pembimbing: Nugraha
Uncontrolled Keywords: capital adequacy, profitability, credit of banking Kecukupan Modal, Profitabilitas, Penyaluran Kredit
Subjects: H Social Sciences > H Social Sciences (General)
H Social Sciences > HF Commerce > HF5601 Accounting
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Akuntansi
Depositing User: Mr Tatang Saja
Date Deposited: 14 Jul 2015 07:17
Last Modified: 14 Jul 2015 07:18
URI: http://repository.upi.edu/id/eprint/15121

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