ADLN Perpustakaan Universitas Airlangga DAFTAR ISI. HALAMAN JUDUL...i. HALAMAN PERSETUJUAN...ii. HALAMAN PERNYATAAN...iii

ADLN Perpustakaan Universitas Airlangga

DAFTAR ISI

HALAMAN JUDUL ......................................................................................... i HALAMAN PERSETUJUAN........................................................................... ii HALAMAN PERNYATAAN ........................................................................... iii HALAMAN PERNYATAAN ORISINALITAS SKRIPSI............................... iv KATA PENGANTAR ....................................................................................... vi ABSTRAK ......................................................................................................... ix ABSTRACT....................................................................................................... x DAFTAR ISI...................................................................................................... xi DAFTAR TABEL.............................................................................................. xvii DAFTAR GAMBAR ......................................................................................... xviii DAFTAR LAMPIRAN...................................................................................... xix BAB 1: PENDAHULUAN .................................................................................... 1 1.1 Latar Belakang Permasalahan.......................................................................... 1 1.2 Rumusan Masalah ............................................................................................ 6 1.3 Tujuan Penelitian ............................................................................................. 6 1.4 Manfaat Penelitian ........................................................................................... 7 1.5 Sistematika Penulisan ...................................................................................... 8 BAB 2: TINJAUAN PUSTAKA .......................................................................... 10 2.1 Landasan Teori................................................................................................ 10 2.1.1 Bank .................................................................................................... 10 2.1.1.1 Pengertian Bank ...................................................................... 10

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PENGARUH DANA PIHAK KETIGA..

MALA MAULIDA LESTARI


2.1.1.2 Fungsi Bank ............................................................................ 11 2.1.1.3 Penggolongan Jenis Bank ....................................................... 12 2.1.2 Bank Umum ........................................................................................ 16 2.1.2.1 Pengertian Bank Umum .......................................................... 16 2.1.2.2 Fungsi Bank Umum ................................................................ 17 2.1.2.3 Sumber Dana Bank Umum ..................................................... 18 2.1.2.4 Penggunaan Dana Bank Umum .............................................. 20 2.1.3 Kredit .................................................................................................. 21 2.1.3.1 Pengertian Kredit .................................................................... 21 2.1.3.2 Tujuan Pemberian Kredit ........................................................ 22 2.1.3.3 Fungsi Kredit .......................................................................... 23 2.1.3.4 Unsur-unsur Pemberian Kredit ............................................... 24 2.1.4 Faktor-faktor yang Memengaruhi Jumlah Kredit yang Diberikan oleh Bank Umum ...................................................... 25 2.1.4.1 Dana Pihak Ketiga (DPK)....................................................... 25 2.1.4.2 Non Performing Loan (NPL) .................................................. 26 2.1.4.3 Capital Adequacy Ratio (CAR) .............................................. 28 2.1.4.4 Loan to Deposit Ratio (LDR).................................................. 30 2.1.4.5 Rasio Rentabilitas ................................................................... 31 2.1.5 Hubungan Antara Variabel Independen dengan Variabel Dependen ................................................................. 32 2.1.5.1 Hubungan Dana Pihak Ketiga (DPK) dengan Jumlah Kredit yang Diberikan ................................... 33

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2.1.5.2 Hubungan Non Performing Loan (NPL) dengan Jumlah Kredit yang Diberikan ................................... 33 2.1.5.3 Hubungan Capital Adequacy Ratio (CAR) dengan Jumlah Kredit yang Diberikan ................................... 34 2.1.5.4 Hubungan Loan to Deposit Ratio (LDR) dengan Jumlah Kredit yang Diberikan ................................... 35 2.1.5.5 Hubungan Return on Assets (ROA) dengan Jumlah Kredit yang Diberikan ................................... 35 2.1.5.6 Hubungan Beban Operasional terhadap Pendapatan Operasional (BOPO) dengan Jumlah Kredit yang Diberikan . 36 2.2 Penelitian Sebelumnya.................................................................................... 36 2.2.1 Penelitian Fransisca dan Siregar (2009).............................................. 36 2.2.2 Penelitian Rachman (2011)................................................................. 38 2.2.3 Penelitian Kurniawati (2010) .............................................................. 39 2.2.4 Penelitian Pratama (2010)................................................................... 40 2.3 Hipotesis Penelitian ........................................................................................ 41 2.4 Kerangka Konseptual...................................................................................... 42 BAB 3: METODE PENELITIAN ........................................................................ 44 3.1 Pendekatan Penelitian ..................................................................................... 44 3.2 Identifikasi Variabel........................................................................................ 44 3.3 Definisi Operasional Variabel......................................................................... 45 3.4 Jenis dan Sumber Data.................................................................................... 48 3.5 Prosedur Pengumpulan Data........................................................................... 48

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3.6 Populasi dan Sampel Penelitian ...................................................................... 49 3.7 Metode dan Teknik Analisis Data................................................................... 52 3.7.1 Pengujian Asumsi Klasik .................................................................... 52 3.7.2 Pengujian Hipotesis ............................................................................ 56 3.7.3 Analisis Koefisien Determinasi (R-squared/R2) ................................. 58 BAB 4: HASIL DAN PEMBAHASAN ............................................................... 59 4.1 Gambaran Umum Subyek dan Obyek Penelitian ........................................... 59 4.1.1 Gambaran Umum Bank Rakyat Indonesia Agroniaga, Tbk. .............. 60 4.1.2 Gambaran Umum Bank ICB Bumiputera Indonesia, Tbk.................. 61 4.1.3 Gambaran Umum Bank Capital Indonesia, Tbk................................. 61 4.1.4 Gambaran Umum Bank Central Asia, Tbk......................................... 62 4.1.5 Gambaran Umum Bank Bukopin, Tbk. .............................................. 62 4.1.6 Gambaran Umum Bank Negara Indonesia (Persero), Tbk. ................ 63 4.1.7 Gambaran Umum Bank Nusantara Parahyangan, Tbk. ...................... 63 4.1.8 Gambaran Umum Bank Rakyat Indonesia (Persero), Tbk. ................ 63 4.1.9 Gambaran Umum Bank Mutiara, Tbk. ............................................... 64 4.1.10 Gambaran Umum Bank Danamon Indonesia, Tbk............................. 64 4.1.11 Gambaran Umum Bank Pundi Indonesia, Tbk. .................................. 65 4.1.12 Gambaran Umum Bank QNB Kesawan, Tbk..................................... 65 4.1.13 Gambaran Umum Bank Mandiri (Persero), Tbk. ............................... 66 4.1.14 Gambaran Umum Bank Bumi Arta, Tbk. ........................................... 66 4.1.15 Gambaran Umum Bank CIMB Niaga, Tbk. ....................................... 67 4.1.16 Gambaran Umum Bank Internasional Indonesia, Tbk. ...................... 67

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4.1.17 Gambaran Umum Bank Permata, Tbk................................................ 67 4.1.18 Gambaran Umum Bank of India Indonesia, Tbk................................ 68 4.1.19 Gambaran Umum Bank Victoria International, Tbk. ......................... 69 4.1.20 Gambaran Umum Bank Artha Graha Internasional, Tbk. .................. 69 4.1.21 Gambaran Umum Bank Mayapada Internasional, Tbk. ..................... 70 4.1.22 Gambaran Umum Bank Windu Kentjana Internasional, Tbk............. 70 4.1.23 Gambaran Umum Bank Mega, Tbk.................................................... 70 4.1.24 Gambaran Umum Bank OCBC NISP, Tbk. ....................................... 71 4.1.25 Pan Indonesia Bank, Tbk. ................................................................... 71 4.1.26 Bank Himpunan Saudara 1906, Tbk. .................................................. 71 4.2 Deskripsi Hasil Penelitian............................................................................... 72 4.2.1 Dana Pihak Ketiga (DPK)................................................................... 72 4.2.2 Non Performing Loan (NPL) .............................................................. 72 4.2.3 Capital Adequacy Ratio (CAR) .......................................................... 73 4.2.4 Loan to Deposit Ratio (LDR).............................................................. 73 4.2.5 Return on Assets (ROA) ..................................................................... 74 4.2.6 Beban Operasional terhadap Pendapatan Operasional (BOPO) ......... 74 4.2.7 Jumlah Kredit yang Diberikan ............................................................ 74 4.3 Analisis Model dan Pengujian Hipotesis ........................................................ 75 4.3.1 Pengujian Asumsi Klasik .................................................................... 75 4.3.1.1 Hasil Uji Normalitas ............................................................... 75 4.3.1.2 Hasil Uji Multikolinearitas...................................................... 79 4.3.1.3 Hasil Uji Autokorelasi ............................................................ 80

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4.3.1.4 Hasil Uji Heteroskedastisitas .................................................. 81 4.3.2 Analisis Model Regresi....................................................................... 82 4.3.3 Pengujian Hipotesis ............................................................................ 86 4.3.3.1 Uji F ........................................................................................ 86 4.3.3.2 Uji t ......................................................................................... 87 4.4 Pembahasan..................................................................................................... 89 4.4.1 Pengaruh DPK, NPL, CAR, LDR, ROA, dan BOPO Secara Simultan terhadap Jumlah Kredit yang Diberikan .................. 89 4.4.2 Pengaruh DPK terhadap Jumlah Kredit yang Diberikan .................... 90 4.4.3 Pengaruh NPL terhadap Jumlah Kredit yang Diberikan..................... 91 4.4.4 Pengaruh CAR terhadap Jumlah Kredit yang Diberikan .................... 93 4.4.5 Pengaruh LDR terhadap Jumlah Kredit yang Diberikan .................... 94 4.4.6 Pengaruh ROA terhadap Jumlah Kredit yang Diberikan.................... 95 4.4.7 Pengaruh BOPO terhadap Jumlah Kredit yang Diberikan ................. 96 BAB 5: SIMPULAN DAN SARAN..................................................................... 98 5.1 Simpulan ......................................................................................................... 98 5.2 Keterbatasan Penelitian................................................................................... 99 5.3 Saran ............................................................................................................... 99 DAFTAR PUSTAKA ......................................................................................... 101 LAMPIRAN........................................................................................................ 104

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DAFTAR TABEL

Tabel 3.1: Penentuan Sampel Penelitian............................................................... 50 Tabel 3.2: Daftar Bank Sampel Penelitian............................................................ 51 Tabel 4.1: Daftar Bank Sampel Penelitian............................................................ 60 Tabel 4.2: Hasil Uji Outlier................................................................................... 76 Tabel 4.3: Hasil Uji Kolmogorov-Smirnov .......................................................... 78 Tabel 4.4: Hasil Uji Multikolinearitas .................................................................. 79 Tabel 4.5: Hasil Uji Durbin-Watson ..................................................................... 80 Tabel 4.6: Hasil Analisis Regresi.......................................................................... 82 Tabel 4.7: Hasil Analisis Korelasi dan Determinasi ............................................. 85 Tabel 4.8: Hasil Uji F............................................................................................ 86 Tabel 4.9: Hasil Uji t............................................................................................. 87

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DAFTAR GAMBAR

Gambar 2.1: Kerangka Konseptual....................................................................... 43 Gambar 4.1: Grafik Normal Plot........................................................................... 77 Gambar 4.2: Histogram......................................................................................... 77 Gambar 4.3: Hasil Uji Heteroskedastisitas ........................................................... 81

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DAFTAR LAMPIRAN

Lampiran 1: Daftar Bank Populasi Penelitian..................................................... 104 Lampiran 2: Daftar Bank Sampel Penelitian ...................................................... 105 Lampiran 3: Deskripsi Hasil Penelitian Berdasarkan Laporan Keuangan.......... 106 Lampiran 4: Hasil Pengolahan Data dengan SPSS Versi 18 .............................. 113 Lampiran 5: Tabel Durbin-Watson ..................................................................... 118

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ADLN Perpustakaan Universitas Airlangga DAFTAR ISI. HALAMAN JUDUL...i. HALAMAN PERSETUJUAN...ii. HALAMAN PERNYATAAN...iii

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