ANALISIS PERBANDINGAN PENGARUH RASIO KEUANGAN TERHADAP PROFITABILITAS ANTARA BANK KONVENSIONAL DAN BANK SYARIAH - B11108068, Chintia Patrestia (Jurnal Manajemen Update, 2012)
Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio, Loan to Deposit Ratio, BOPO, Non Perfoming Loan terhadap Profitabilitas pada bank Konvensional dan bank Syariah periode kuartal 2007-2010. Selain itu juga dilakukan Chow Test untuk mengetahui perbedaan pengaruh Capital Adequacy Ratio, Loan to Deposit Ratio, BOPO, Non Perfoming Loan terhadap profitabilitas antara bank konvensional dan bank syariah. Data yang digunakan dalam penelitian ini diperoleh dari Laporan Keuangan Publikasi Periode Kuartal bank konvensional dan bank syariah yang diterbitkan oleh Bank Indonesia. Teknik analisis data dalam penelitian ini menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa hanya Variabel BOPO yang sama-sama berpengaruh negatif dan signifikan antar bank konvensional dan bank syariah. Hasil penelitian juga menunjukkan nilai adjusted bank konvensional sebesar 42.8 %, bank syariah sebesar 49.4 % serta. Hasil uji F menunjukkan bahwa pada bank konvensional, bank syariah variabel independen secara bersama-sama berpengaruh signifikan terhadap variabel dependen. Hasil Chow Test menunjukkan bahwa tidak terdapat perbedaan pengaruh perubahan Capital Adequacy Ratio, Loan to Deposit Ratio, BOPO dan Non Perfoming Loan terhadap profitabilitas antara bank konvensional dan bank syariah . Kata kunci: Capital Adequacy Ratio, Loan to Deposit Ratio, Non Perfoming Loan, BOPO, Profitabilitas, Chow Test ABSTRACT This study aimed to examine the effect of Capital Adequacy Ratio, Loan to Deposit Ratio, ROA, Non perfoming on the Loan to the profitability of conventional banks and Islamic banks quarterly period 2007-2010. It also made Chow Test to determine differences in the influence of the Capital Adequacy Ratio, Loan to Deposit Ratio, ROA, non-perfoming loan's profitability between conventional banks and Islamic banks. The data used in this study were obtained from the Quarterly Period Financial Statements Condensed conventional banks and Islamic banks issued by Bank Indonesia. Data analysis techniques in this study using multiple linear regression analysis. The results showed that the only variable ROA equally negative and significant effect between conventional banks and Islamic banks. The results also showed the value of adjusted R ^ 2 for 42.8% of conventional banks, Islamic banks amounted to 49.4% as well. F test results show that the conventional banks, Islamic banks independent variables jointly significant effect on the dependent variable. Chow Test results indicate that there is no difference in the effect of changing Capital Adequacy Ratio, Loan to Deposit Ratio, Loan BOPO and Non perfoming on profitability between conventional banks and Islamic banks Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Perfoming Loans (NPL), BOPO, Profitability, Chow Test