Utami, Tyas Melyanti (2014) PENGARUH KECUKUPAN MODAL DAN KUALITAS PENYALURAN KREDIT TERHADAP PROFITABILITAS PADA PT. BANK MEGA, Tbk PERIODE 2009-2013. S1 thesis, Universitas Pendidikan Indonesia.
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Abstract
Penelitian ini dilatarbelakangi oleh menurunnya tingkat profitabilitas pada Bank Mega periode 2009-2013. Penelitian ini bertujuan untuk mengetahui gambaran kecukupan modal yang diukur dengan Capital Adequancy Ratio (CAR), kualitas penyaluran kredit yang diukur dengan Non Performing Loan (NPL) dan profitabilitas yang diukur dengan Return On Asset (ROA) pada Bank Mega, serta bagaimana pengaruh kecukupan modal dan kualitas penyaluran kredit terhadap profitabilitas. Metode yang digunakan dalam penelitian ini adalah deskriptif dan verifikatif dengan desain penelitian kausal. Data yang digunakan adalah data data sekunder. Sampel dalam penelitian ini adalah laporan keuangan periode 2009-2013 Bank Mega yang berisi tentang kecukupan modal yang diukur dengan Capital Adequancy Ratio (CAR), kualitas penyaluran kredit yang diukur dengan Non Performing Loan (NPL) dan Profitabilitas yang diukur dengan Return On Asset (ROA). Analisis statistik yang digunakan terdiri dari uji asumsi klasik, koefisien determinasi dan analisis regresi linear berganda, serta uji hipotesis dengan menggunakan uji keberartian regresi, dan uji keberartian arah regresi. Hasil penelitian ini menunjukkan bahwa kecukupan modal (CAR) tidak berpengaruh terhadap profitabilitas (ROA). Sedangkan kualitas penyaluran kredit (NPL) berpengaruh negative terhadap profitabilitas (ROA). This research is based on the decreasing of Profitability of Bank Mega 2009-2013. The purpose of this research was to find out the description of capital adequancy which is measured by Capital Adequancy Ratio (CAR), quality of credit which is measured by Non Performing Loan (NPL) and profitability which is measured by Return On Asset (ROA) in Bank Mega and to find out the influence capital adequancy and quality of credit value towards profitability. The method that used in this research was descriptive and verificative methods with casual research as the design. The data used were secondary data. This research used the samples of the company’s financial reports in 2009-2013 in Bank Mega which contain of Capital Adequancy Ratio (CAR), Non Performing Loan (NPL) and Return On Asset (ROA). Statistic analysis used consist of classical assumption test and multiple linear regression analysis. Hypothesis test was done using significance of regression test and significance of regression coefficient test. The result of this research showed, that capital adequancy (CAR) has not influence on profitability (ROA). Mean while quality of credit (NPL) has influence negative on profitability (ROA).
| Item Type: | Thesis (S1) |
|---|---|
| Additional Information: | No.Panggil : S PE UTA p-2014 : Pembingbing : Ikaputera Waspada |
| Uncontrolled Keywords: | Kecukupan modal, kualitas penyaluran kredit dan profitabilitas |
| Subjects: | L Education > L Education (General) |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Manajemen (non kependidikan) |
| Depositing User: | Staf Koordinator 2 |
| Date Deposited: | 03 Aug 2015 07:05 |
| Last Modified: | 03 Aug 2015 07:05 |
| URI: | http://repository.upi.edu/id/eprint/15680 |
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