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Pengaruh Non Performing Loan Terhadap Profitabilitas

(Studi Kasus Pada Bank Terdaftar Di Bursa Efek Indonesia)

ABSTRAK

Penelitian ini bertujuan untuk mengetahui pengaruh variabel kredit


bermasalah (NPL) terhadap profitabilitas bank yang terdaftar di Bursa Efek
Indonesia (BEI) yang diproksikan dengan Return On Assets (ROA) periode 2012-
2016. Teknik pengambilan sampel menggunakan metode purposive sampling
dengan kriteria bank terdaftar di Bursa Efek Indonesia (BEI) periode tahun 2012-
2016, menyajikan laporan keuangan dan rasio secara lengkap yang sesuai dengan
variabel yang akan diteliti. Faktor yang diuji dalam penelitian ini adalah non
performing loan sebagai variabel independen. Sedangkan profitabilitas
sebagai variabel dependen. Program yang digunakan dalam menganalisis
data menggunakan Eviews 8.
Sedangkan teknik pengumpulan datanya menggunakan metode
dokumentasi serta jenis data yang digunakan adalah data sekunder yaitu laporan
keuangan tahunan bank terdaftar periode 2012-2016. Teknik analisis data
penelitian ini menggunakan analisis deskriptif dan analisis regresi linier
sederhana. Hasil penelitian menunjukkan bahwa variabel kredit bermasalah (NPL)
berpengaruh signifikan terhadap profitabilitas yang diproksikan dengan Return On
Assets (ROA) bank terdaftar di BEI sebesar 11,13%.

Kata Kunci: Bank, Profitabilitas, Kredit Bermasalah.

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The Influence of non performing loan on profitability
(Case Study at Registered Bank in Indonesia Stock Exchange)

ABSTRACK

The purpose of this research is to find out the influence of the Non-
Performing Loans (NPLs), variables to the profitability of banks are listed in
Indonesia Stock Exchange (IDX) of foreign exchange which is proxy by the Return
on Assets (ROA) in 2012-2016 periods. The sample collection technique has been
done by using purposive sampling method with the criteria these banks are listed
in Indonesia Stock Exchange (IDX) in 2012-2016 periods, they present their
financial statement and the ratio completely which in accord with the variables
which will be studied. Factors tested in this study is the implementation of non
performing loan as an independent variable. While the profitability as a
dependent variable. The program used in analyzing data using Eviews 8.
Meanwhile, the data collection technique has been done by using
documentation method and the type of data is secondary data which is the annual
financial statement of Banks of foreign exchange in 2012-2016 periods. The data
analysis technique has been done by using linear regressions analysis and
descriptive analysis. The results showed that the variable of nonperforming loans
(NPL) have a significant effect on profitability proxy with Return On Assets
(ROA) of banks listed on the IDX of 11.13%.

Keywords: Bank, Profitability,and Non-Performing Loan

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