Detail Karya Ilmiah

  • PENGARUH TINGKAT SUKU BUNGA DEPOSITO DAN BIAYA PROMOSI TERHADAP KINERJA KEUANGAN PERBANKAN (Studi Pada 10 Bank Umum Go Publik)
    Penulis : HUSNUL KHOTIMAH
    Dosen Pembimbing I : Dr. Bambang Haryadi, S.E., M.Si. Ak.
    Dosen Pembimbing II :Anis Wulandari, S.E., MSA., Ak.
    Abstraksi

    Husnul Khotimah , NIM 09.02.2.1.1.00034 , " Pengaruh Tingkat Suku Bunga Deposito dan Biaya Promosi Terhadap Kinerja Keuangan ( Studiesin 10 bank umum go public ) " . Di bawah bimbingan Dr Bambang Haryadi , SE , Si . , Ak dan Anis Wulandari , SE , MSA . , Ak . Tujuan dari penelitian ini adalah untuk detemine pengaruh bunga deposito dan biaya promosi terhadap kinerja keuangan yang telah dihitung melalui CAR , BOPO , LDR dan ROA . Penelitian kuantitatif dilakukan dengan mengambil 10 bank umum go public sebagai sampel dengan teknik sampling jenuh dimana semua populasi sampel dan teknik pengumpulan data dengan menggunakan data historis yang melaporkan tingkat bunga deposito dan biaya promosi sejak 2010-2012. Data dianalisis dengan menggunakan uji asumsi klasik ( uji normalitas , uji heteroskedastisitas , uji multikolonieritas ) dan uji hipotesis dengan analisis regresi berganda , koefisien determinasi , t - tes ( parsial ) dan uji F ( simultan ) . Dari hasil pengujian di atas menunjukkan bahwa tingkat variabel independen deposito hanya memberikan pengaruh yang signifikan terhadap LDR ( loan to deposit ratio ) dan ROA ( return on asset ) karena nilai signifikansi dibawah 5 % . Sedangkan biaya variabel promosi mempengaruhi seluruh perbankan dan indikator kinerja keuangan CAR ( rasio kecukupan modal ) , BOPO ( biaya operasional dan pendapatan operasional ) , LDR ( loan to deposit ratio ) , dan ROA ( return on asset ) .

    Abstraction

    Husnul Khotimah, NIM 09.02.2.1.1.00034, “The Effect of Interest Rate on Deposits and Promotion Cost Againts Financial Performance (Studiesin 10 commercial banks go public)”. Under the guidance of Dr. Bambang Haryadi, S.E.,Si.,Ak and Anis Wulandari, S.E.,MSA.,Ak. The purpose of this study was to detemine the effect of interest on deposit and promotion costs on the financial performance which had been counted trough CAR, BOPO, LDR and ROA. Quantitative research was carried out by taking 10 commercial banks go public as the samples with saturated sampling technique in which all the population sampled and the data collection techniques using historical data that report deposit interest rates and the promotion cost since 2010-2012. Data were analyzed using the classical assumption test (test for normality, heteroscedasticity test, multikolonieritas test) and hypothesis test with multiple regression analysis, coefficient of determination, t-tes (partial) and F test (simultaneous). From the above test results indicate that the independent variable deposit rates only gives significant effect on LDR (loan to deposit ratio) and ROA (return on assets) because the significance value below 5%. While the variable cost of promotion affect the entire banking and financial performance indicators CAR (capital adequacy ratio), BOPO (operating expenses and operating income), LDR (loan to deposit ratio), and ROA (return on assets).

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