ANALISIS KESEHATAN BANK UMUM DI INDONESIA

earnings in banking industry which is registered in the Bank Indonesia. The population used in this study is all commercial banks in Indonesia, amount...

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ANALISIS KESEHATAN BANK UMUM DI INDONESIA

ABSTRAK

Tujuan penelitian ini untuk mengetahui dan menganalisis pengaruh rasio tingkat kesehatan bank CAMEL yang terdiri dari Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Profit Margin (NPM), Return on Asset (ROA), Biaya Operasional/Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), Giro Wajib Minimum (GWM), Return on Risk Asset (RORA), Rasio Hutang Lancar dibanding dengan Hutang Jangka Panjang (CL/LTL) dan Net Interest Margin (NIM) terhadap pertumbuhan laba pada industri perbankan yang terdaftar di Bank Indonesia. Populasi yang digunakan dalam penelitian ini adalah seluruh bank umum yang ada di Indonesia yang berjumlah 147 bank. Sampel adalah himpunan bagian dari populasi yang menjadi objek sesungguhnya. Sampel dalam penelitian ini diambil dari bank umum konvensional kecuali Bank Pembangunan Daerah (BPD) yang ada di Indonesia. Kriteria yang digunakan adalah Bank umum menerbitkan laporan keuangannya selama lima tahun berturut-turut yaitu 2004 – 2009, laporan keuangan harus mempunyai tahun buku yang berakhir 31 Desember dan telah diaudit dan Bank tidak dilikuidasi dan dimerger. Penelitian ini menggunakan model analisis koefisien regresi berganda Berdasarkan analisis hasil penelitian maka dapat diambil kesimpulan sebagai berikut: rasio Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Profit Margin (NPM), Return On Asset (ROA), Beban Operasional Pendapatan Operasional (BOPO) Loan to Deposit Ratio (LDR), Giro Wajib Minimum (GWM), Return On Risked Assets (RORA), Current Liabilities/Total Liabilities (CL/LTL) dan Net Interest Margin (NIM) memiliki pengaruh terhadap pertumbuhan laba pada industri perbankan yang terdaftar di BI. Hal ini berdasarkan hasil uji secara simultan (Uji F). Secara Parsial hanya Net Profit Margin (NPM) yang menunjukkan mempunyai pengaruh yang signifikan terhadap pertumbuhan laba industri perbankan sedangkan rasio yang lain tidak.

Kata Kunci: CAR, NPL, NPM, ROA, BOPO, LDR, GWM, RORA, CL/LTL, NIM.

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ANALYZE OF PUBLIC BANK HEALTS IN INDONESIA

ABSTRACT

The purpose of this study is to determine and analyze the influence of the ratios of bank soundness CAMEL consisting of Capital Adequacy Ratio (CAR), NonPerforming Loans (NPL), Net Profit Margin (NPM), Return on Assets (ROA), Operating Expenses/Operating Income (BOPO), Loan to Deposit Ratio (LDR), Statutory Reserves (GWM), Return on Risk Assets (RORA), Current Debt compared with Long-Term Debt (CL/LTL) and Net Interest Margin (NIM) on the growth of earnings in banking industry which is registered in the Bank Indonesia. The population used in this study is all commercial banks in Indonesia, amounting to 147 banks. The sample is a subset of the population that becomes real objects. The sample in this study was taken from the conventional commercial banks except Regional Development Banks (BPD) in Indonesia. The criteria used are Public Bank publishes its financial statements for five consecutive years in 2004 2009, the financial statements must have the year ending December 31 and have been audited, Banks are not liquidated and the merger. This study uses multiple regression coefficient analysis models to analyze the influence. Based on the analysis results it can be concluded as follows: Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Net Profit Margin (NPM), Return On Assets (ROA), Operating Expenses Operating Income (BOPO) Loan to Deposit Ratio (LDR), Statutory Reserves (GWM), Return On Risk Assets (RORA), Current liabilities/Long Term Liabilities (CL/LTL) and Net Interest Margin (NIM) have influence on the growth of earnings in the banking industry registered in BI. This is based on the results of simultaneous tests (Test F). In Partial indicates that only Net Profit Margin (NPM) have a significant impact on earnings growth in the banking industry in other ratio are not.

Keywords: CAR, NPL, NPM, ROA, BOPO, LDR, GWM, RORA, CL/LTL, NIM.

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