PENGARUH NON PERFORMING LOAN TERHADAP PROFITABILITAS : Studi Pada PT. Bank Internasional Indonesia Tbk, Tahun 2002-2011

Suryaman, Herman (2013) PENGARUH NON PERFORMING LOAN TERHADAP PROFITABILITAS : Studi Pada PT. Bank Internasional Indonesia Tbk, Tahun 2002-2011. S1 thesis, Universitas Pendidikan Indonesia.

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Abstract

bank, karena kegiatan terbesar yang dilakukan bank yaitu melalui perkreditan. Penelitian ini bertujuan untuk mengungkapkan pengaruh non performing loan terhadap Masalah yang dikaji dalam penelitian ini adalah rendahnya profitabilitas pada PT. Bank Internasional Indonesia. Salah satu faktor yang mempengaruhi profitabilitas adalah non performing loan. Non Performing Loan berpengaruh terhadap pencapaian profitabilitas profitabilitas pada PT. Bank Internasional Indoneisa Tbk.Variabel bebas pada penelitian ini adalah non performing loan dan variabel terikat nya adalah profitabilitas, metode yang digunakan dalam penelitian ini adalah dekriptif verifikatif dan sumber data yang digunakan adalah data sekunder. Penelitian ini dilakukan terhadap data laporan keuangan publikasi PT. Bank Internasional Indonesia Tbk dari tahun 2002-2011 yang memuat informasi non performing loan dan profitabilitas. Untuk menganalisis data penelitian digunakan regresi linier sederhana. Berdasarkan analisis data yang telah dilakukan menggunakan analisis regresi sederhana hasil penelitian menunjukkan bahwa non performing loan berpengaruh negatif terhadap profitabilitas sebesar 0,28%. Berdasarkan hasil penelitian diketahui bahwa non performing loan yang dimiliki PT. Bank Internasional Indonesia Tbk selama tahun 2002-2011 selalu berada dibawah batas maksimal yang telah ditetapkan oleh Bank Indonesia (BI) sementara profitabilitas selama tahun 2002-2011 rata-rata berada di bawah batas minimal yang telah ditetapkan oleh Bank Indonesia (BI). Dengan demikian disarankan kondisi non performing loan seperti ini harus terus dijaga sementara profitabilitas harus terus ditingkatkan dan bagi peneliti selanjutnya yang akan mengambil tema penelitian yang sama dapat digunakan faktor-faktor lain yang dapat mempengaruhi profitabilitas. Kata Kunci: Non Performing Loan dan Profitabilitas Problems that review in this research is the low profitability in PT. Bank Internasional Indonesia Tbk. One of the factors affecting profitability are non performing loan. Non Performing Loan is influential to the achievement of profitability banks, because the activities of biggest bank though the credit. This research aims to reveal the influence of non performing loan to profitability at PT. Bank Internasional Indonesia Tbk.The independent variable in this research in non performing loan (X) and the dependent variable is profitability (Y). The method used in this research is descriptive verificative and sourching data that used is secunder data. Research was conducted on publication of financial statement data of PT. Bank Internasional Indonesia Tbk from 2002-2011 includes information of non performing loan and profitability. Based on analysis of data that has been committed using simple regression analysis The result showed that non performing loan have a negative effect on profitability 0,28%. Based on the results of the research note that the non performing loan owned by PT Bank Internasional Indonesia Tbk for years 2002-2011 always was under the maximum limit set by Bank Indonesia (BI )While profitability for years 2002-2011 the average is below the minimum limit set Bank Indonesia (BI). Thus it is recommended the non performing loan conditions such as these should continue to be maintained while profitability should be increased and for further researchers who will take the same research themes can be used for other factors that can affect profitability. Keywords: Non Performing Loan dan Profitability.

Item Type: Thesis (S1)
Subjects: Universitas Pendidikan Indonesia > Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Akuntansi
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Akuntansi
Depositing User: DAM STAF Editor
Date Deposited: 10 Dec 2013 02:04
Last Modified: 10 Dec 2013 02:04
URI: http://repository.upi.edu/id/eprint/3927

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