PENGARUH KREDIT BERMASALAH TERHADAP PROFITABILITAS : studi kasus pada Bank Umum Swasta Nasional non devisa go public periode 2011 – 2015

Agustina, Widia (2017) PENGARUH KREDIT BERMASALAH TERHADAP PROFITABILITAS : studi kasus pada Bank Umum Swasta Nasional non devisa go public periode 2011 – 2015. S1 thesis, Universitas Pendidikan Indonesia.

[img] Text
S_MBS_1304779_Title.pdf

Download (329kB)
[img] Text
S_MBS_1304779_Abstract.pdf

Download (263kB)
[img] Text
S_MBS_1304779_Table_Of_Content.pdf

Download (157kB)
[img] Text
S_MBS_1304779_Chapter1.pdf

Download (328kB)
[img] Text
S_MBS_1304779_Chapter2.pdf
Restricted to Staf Perpustakaan

Download (537kB)
[img] Text
S_MBS_1304779_Chapter3.pdf

Download (467kB)
[img] Text
S_MBS_1304779_Chapter4.pdf
Restricted to Staf Perpustakaan

Download (612kB)
[img] Text
S_MBS_1304779_Chapter5.pdf

Download (207kB)
[img] Text
S_MBS_1304779_Bibliography.pdf

Download (285kB)
[img] Text
S_MBS_1304779_Appendix.pdf
Restricted to Staf Perpustakaan

Download (302kB)
Official URL: http://repository.upi.edu

Abstract

Profitabilitas BUSN Non Devisa Go Public yang diukur dengan rasio ROA menunjukkan indek performance yang tidak sehat, dengan tingkat pencapaian yang sangat rendah terjadi tahun 2014 sampai 2015 serta perkembangan yang tidak stabil dalam lima tahun terakhir. Struktur pendapatan BUSN Non Devisa Go Public didominasi oleh pendapatan bunga yang berasal dari penyaluran kredit. Nilai ROA selama periode analisis lima tahun mencapai rata-rata 1,05% dari total periode lima tahun dan sepuluh unit perbankan. Kondisi tersebut berada di bawah standar ketentuan BI yang menetapkan 1,5%. Pendapatan bunga sebagai salah satu struktur pendapatan bank menuntut pencapaian rasio ROA yang sehat dan memadai melalui pengelolaan risiko kredit bermasalah agar bank dapat menjamin stabilitas pendapatan dan profitabilitasnya. Tujuan dari penelitian ini adalah: 1) memperoleh temuan tentang kredit bermasalah pada BUSN Non Devisa Go Public peridoe 2011-2015; 2) memperoleh temuan tentang profitabilitas pada BUSN Non Devisa Go Public peridoe 2011-2015, dan; 3) memperoleh temuan tentang pengaruh kredit bermasalah terhadap profitabilitas pada BUSN Non Devisa Go Public peridoe 2011-2015. Desain penelitian ini adalah Non Eksperimental dengan metode Explanatory Research, menggunakan data yang bersifat panel atau gabungan dari time series dan cross section yang bersumber dari Laporan Keuangan pada sepuluh BUSN Non Devisa Go Public peridoe 2011-2015. Berdasarkan penelitian secara deskriptif ditemukan bahwa: 1) Perkembangan kredit bermasalah pada BUSN Non Devisa Go Public peridoe 2011-2015 telah menyebabkan risiko kredit yang tinggi melalui rasio NPL; 2) Perkembangan profitabilitas pada BUSN Non Devisa Go Public peridoe 2011-2015 menunjukkan indeks performance yang menurun atau tidak sehat; 3) Analisis menggunakan metode regresi data panel dan uji hipotesis menghasilkan temuan bahwa: kredit bermasalah berpengaruh negatif terhadap Profitabilitas (ROA) pada BUSN Non Devisa Go Public peridoe 2011-2015.;---Profitability of BUSN Non Foreign Exchange Go Public as measured by the ratio of the ROA showing unhealthy index performance, with low achievement level occurred in 2014 to 2015 likewise unstable growth in the last five years. BUSN Non foreign exchange income structure to Go Public is dominated by interest income derived from the channeling credit. The value of the ROA during the period of analysis five years achieved an average of 1.05% from the total period of five years and ten banking units. These conditions are under the standard provisions of BI who sets 1.5%. Interest income as one of the bank's income structure demands the attainment of healthy and ROA ratios adequate credit risk management through troubled that bank can guarantee the stability of revenues and profitability. The purpose of this research was: 1) Obtained the findings about the Non-Performing Loan on Non-Foreign exchange BUSN Go Public in the periode 2011 to 2015; 2) Obtained the findings about Profitability on a Non BUSN foreign exchange Go Public, from 2011 to 2015 and; 3) Getting the findings about the influence of the Non-Performing Loan against Profitability on a Non BUSN foreign exchange Go Public in the period of 2011 to 2015. The design of this research is an Unexperimental research with the method of Explanatory Research using data which is combined or pooled data by the time series and cross section were sourced from financial reports on ten BUSN Non foreign exchange Go Public on the periode of 2011 to 2015. Based on the descriptive and verification research, it is found that: 1) The development of a Non Performing Loan on Non Foreign Exchange Bank Go Public on 2011-2015 caused increased the value credit risk by NPL ratio measurement; 2) The development of profitability on a Non foreign exchange BUSN Go Public on the periode of 2011 to 2015 showed a very weak performance index or unhealthy; 3) The analysis used regression method data panel and test the hypothesis yielded findings that: Non Performing Loan effect was strong against the Profitability (ROA) on foreign exchange are Non BUSN Go Public period 2011-2015.

Item Type: Thesis (S1)
Additional Information: No. Panggil : S KIM RIZ p-2017 ; Pembimbing : I. Yayan Sunarya, II. Gebi Dwiyanti ; NIM : 1301320.
Uncontrolled Keywords: Kredit Bermasalah, Non Performing Loan, Profitabilitas, Return On Assets, Problem Loan, Non Performing Loan, Profitability, Return On Assets
Subjects: H Social Sciences > HJ Public Finance
H Social Sciences > HN Social history and conditions. Social problems. Social reform
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Manajemen Bisnis
Depositing User: DAM staf
Date Deposited: 30 Nov 2018 02:38
Last Modified: 30 Nov 2018 02:38
URI: http://repository.upi.edu/id/eprint/32161

Actions (login required)

View Item View Item