Pengaruh Non Performing Financing (NPF) dan Biaya Opersional Pendapatan Operasional (BOPO) terhadap profitabilitas pada PT Bank Jabar Banten Syariah periode 2012-2016

Aguspriyani, Yani (2017) Pengaruh Non Performing Financing (NPF) dan Biaya Opersional Pendapatan Operasional (BOPO) terhadap profitabilitas pada PT Bank Jabar Banten Syariah periode 2012-2016. Masters thesis, UIN Sunan Gunung Djati Bandung.

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Abstract

INDONESIA: Rumusan masalah dalam penelitian ini adalah sejauh mana pengaruh Non Performing Financing (NPF) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap tingkat profitabilitas pada PT Bank Jabar Banten Syariah hipotesis yang diajukan adalah Non Performing Financing (NPF) dan Biaya Operasional Pendapatan Operasional (BOPO) diduga berpengaruh terhadap tingkat profitabilitas pada PT Bank Jabar Banten Syariah. Penelitian awal melalui analisis laporan keuangan menunjukan bahwa kenaikan Non Performing Financing (NPF) dan Biaya Operasional dan Pendapatan Operasional (BOPO) tidak secara otomatis menaikan profitabilitas, bahkan ada kecendrungan mengalami penurunan. Tujuan penelitian ini adalah untuk mengetahui dan menganalisis pengaruh Non Performing Financing (NPF) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap tingkat profitabilitas PT Bank Jabar Banten Syariah, untuk mengetahui variabel mana yang dominan mempengaruhi tingkat profitabilitas. Kerangka pemikiran dalam penelitian ini adalah variabel yang berpengaruh terhadap profitabilitas perusahaan adalah Non Performing Financing (NPF) dan Biaya Operasional Pendapatan Operasional (BOPO). Dalam penelitian ini indikator profitabilitas perusahaan yang digunakan adalah Return on Asset (ROA). Metode pengumpulan data dilakukan dengan menganalisi laporan keuangan terkait dengan profitabilitas, biaya Non Performing Financing (NPF) dan Biaya Operasional dan Pendapatan Operasional (BOPO) periode 2012-2016. Model analisis data yang digunakan adalah analisis regresi liner berganda. Pengujian hipotesis secara simultan maupun parsial dilakukan dengan menggunakan sofware SPSS Versi 23 for windows. Hasil penelitian menunjukkan bahwa variabel X1 (NPF) terhadap variabel Y (Profitabilitas (ROA)) memiliki pengaruh sebesar 0,441 atau 44,10% dan X2 (BOPO) terhadap variabel Y (Profitabilitas (ROA)) memiliki pengaruh sebesar 0,35 atau 35,50%. Adapun hasil uji koefisensi determinasi secara simultan menunjukkan bahwa Non Performing Finance (X1) dan BOPO (X2) berpengaruh positif dan sangat signifikan terhadap Profitabilitas (Y) yang dibuktikan dengan hasil hitung sebesar 79,60 % dan sisanya sebesar 20,40 % merupakan faktor lainnya. Penelitian ini sejalan dengan yang dilakukan oleh Ahmad Buyung Nusantara yang bertujuan untuk menguji pengaruh variabel NPL,CAR, LDR, dan BOPO Terhadap profitabilitas, Penelitian ini juga sejalan dengan teori dan konsep yang dikemukakan Muhammad bahwa ROA merupakan rasio yang menunjukkan kemampuan manajemen dalam meningkatkan keuntungan perusahaan sekaligus untuk menilai kemampuan manajemennya dalam mengendalikan biaya-biaya, maka dengan kata lain dapat menggambarkan produktivitas bank tersebut. ENGLISH: The formulation of the problem in this research is the extent of the influence of Non Performing Financing (NPF) and Operational Cost and Operating Income (BOPO to profitability level at PT Bank Jabar Banten Syariah, the proposed hypothesis is Non Performing Financing (NPF) and Operational Cost and Operating Income BOPO allegedly affect the level of profitability at PT Bank Jabar Banten Syariah.Earlier research through the analysis of financial statements shows that the increase in Non Performing Financing (NPF) and Operational Costs and Operating Income (BOPO) does not automatically increase profitability, even there is a tendency to decrease. The purpose of this research is to know and analyze the influence of Non Performing Financing (NPF) and Operational Cost and Operating Income (BOPO) to profitability level of PT Bank Jabar Banten Syariah, to know which dominant variable influence profitability level. The theory used to support the discussion in this research is the theory and concept of Non Performing Financing (NPF) and Operational Cost and Operating Income (BOPO) and concept of bank profitability level. The framework of thinking in this study are variables that affect the company's profitability is Non Performing Financing (NPF) and Operational Cost Operating Income (BOPO). In this study the company's profitability indicators used are Return on Assets (ROA). Data collection method is done by analyzing financial statements related to profitability, Non Performing Financing (NPF) and Operational Cost and Operating Income (BOPO) for the period 2012-2016. Data analysis model used is multiple linear regression analysis. Hypothesis testing simultaneously or partially done by using SPSS software version 23 for windows. The results showed that the variable X1 (NPF) to the variable Y (Profitability (ROA)) had an effect of 0.441 or 44.10% and X2 (BOPO) to variable Y (Profitability (ROA)) had an effect of 0.35 or 35, 50%. The result of coefficient of determination test simultaneously show that Non Performing Finance (X1) and BOPO (X2) have positive and very significant effect to Profitability (Y) which is proven by 79,60% and the rest equal to 20,40% is another factor . This research is in line with that done by Ahmad Buyung Nusantara which aims to test the influence of NPL, CAR, LDR, and BOPO variables on profitability. This research is also in line with Muhammad's theory and concept that ROA is a ratio showing the ability of management in increasing the profit of the company As well as to assess the ability of its management in controlling the costs, then in other words can describe the productivity of the bank.

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