PENGARUH CAPITAL ADEQUACY RATIO, NET INTEREST MARGIN, LOAN TO DEPOSIT RATIO DAN NON PERFORMING LOAN TERHADAP PROFITABILITAS BANK UMUM NON DEVISA DI INDONESIA PERIODE 2014-2016

Abstract

This study examines the influence Capital Adequacy Ratio (CAR), Net Interest Margin (NIM),\xa0Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) toward Profitability for Non-Foreign Exchange Commercial Bank in Indonesia. This study uses empirical data on the directory\xa0of Financial Services Authority (Otorita Jasa Keuangan) through non probability sampling that\xa0met criteria of the research. There are 17 Banks observed for 3 years quarterly starting from 2014\xa0until 2016. The analytical method using Multiple Linear Regression. The results show that Capital\xa0Adequacy Ratio (CAR) has unsignificant effect on profitability. Variable Net Interest Margin\xa0(NIM) has a positive and significant influence toward profitability. Variable Loan to Deposit Ratio\xa0(LDR) has unsignificant effect toward profitability, Non Performing Loan (NPL) has unsignificant\xa0effect toward profitability. This study has implication for the banking sector, although banks\xa0applied financial ratios to measure bank health, but banks should also pay attention for external\xa0factors to measure bank health. The limitation of this research is that the data only consist of one\xa0type of commercial bank that is non-foreign exchange bank in Indonesia, not all banks met the\xa0criteria as expected by the researcher.\xa0 Keywords: Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio\xa0(LDR), Non Performing Loan (NPL), Profitability. Abstrak\xa0 Penelitian ini bertujuan untuk menguji pengaruh antara variabel Capital Adequacy Ratio\xa0(CAR), Net Interest Margin, Loan to Deposit Ratio dan Non Performing Loan terhadap\xa0Profitabilitas pada Bank Umum Non Devisa di Indonesia. Penelitian ini menggunakan data empiris\xa0dari direktori Kantor Otorita Jasa Keuangan melalui teknik purposive sampling. Ada 17 Bank\xa0yang diamati selama 3 tahun secara kuartal mulai tahun 2014 sampai tahun 2016. Peralatan\xa0analisis yang digunakan adalah Analisis Regresi Linear Berganda. Hasil penelitian menunjukkan\xa0bahwa Capital Adequacy Ratio (CAR) tidak berpengaruh signifikan terhadap profitabilitas Bank\xa0Umum Non Devisa. Variable Net Interest Margin (NIM) memiliki pengaruh positif dan signifikan\xa0terhadap profitabilitas Bank Umum Non Devisa. Variable Loan to Deposit Ratio (LDR) tidak\xa0memiliki pengaruh signifikan terhadap profitabilitas Bank Umum Non Devisa. Variabel Non Performing Loan (NPL) tidak memiliki pengaruh signifikan terhadap profitabilitas Bank Umum\xa0Non Devisa. Penelitian ini memiliki implikasi pada dunia perbankan yaitu meskipun perbankan\xa0menerapkan rasio keuangan untuk mengukur kesehatan bank melalui profitabilitas, akan tetapi\xa0perbankan juga seharusnya memperhatikan faktor eksternal dalam mengukur kesehatan bank. Keterbatasan penelitian adalah bahwa data yang diteliti hanya terdiri dari satu jenis bank umum\xa0yaitu bank non devisa di Indonesia, tidak semua bank memenuhi criteria seperti yang diharapkan\xa0oleh peneliti.