DAFTAR ISI
LEMBAR PENGESAHAN LEMBAR PERNYATAAN ABSTRAK ................................................................................................... ..…iii ABSTRACK ................................................................................................... ..…iv KATA PENGANTAR .........................................................................................v DAFTAR ISI ......................................................................................................viii DAFTAR TABEL..............................................................................................xiii DAFTAR GAMBAR ..........................................................................................xv DAFTAR LAMPIRAN ......................................................................................xvi BAB I
PENDAHULUAN 1.1 Latar Belakang Penelitian .......................................................1 1.2 Rumusan Masalah ...................................................................7 1.3 Maksud dan Tujuan Penelitian ................................................8 1.4 Kegunaan Penelitian ................................................................8 1.4.1
Kegunaan Pengembangan Ilmu...................................9
1.4.2
Kegunaan Operasiona………………………… ..........9
1.5 Lokasi dan Waktu Penelitian...................................................10
BAB II
TINJAUAN PUSTAKA, KERANGKA PEMIKIRAN DAN HIPOTESIS PENELITIAN 2.1 Tinjauan Pustaka.....................................................................11 2.1.1 Pengertian Bank.............................................................11
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2.1.1.1 Asas, Tujuan, dan Fungsi Bank..................................12 2.1.1.2 Jenis-jenis Bank .........................................................13 2.1.1.3 Kegiatan Usaha Bank………………..........………..16 2.1.2 Sumber Dana Bank ...............................................................21 2.1.2.1 Jenis-jenis Sumber Dana Pihak Ketiga.. ...................23 2.1.2.2 Pengertian Giro ,Tabungan, Deposit…………….....23 2.1.3 Dana Pihak Ketiga (DPK) ....................................................24 2.1.3.1 Pengertian Dana pihak Ketiga .................................24 2.1.3.2 Hal-hal Yang Mempengaruhi Dana Pihak Ketiga (DPK) Suatu Bank.....................................................25 2.1.4 Tinjauan Mengenai Profitabilitas Bank………....…...…….26 2.1.4.1 Pengertian Profitabilitas………………......................26 2.1.4.2 Tujuan dan Manfaat Rasio Profabilitas……...............26 2.1.4.3 Komponen Profitabilitas Bank…...............................28 2.1.5 Return On Asset (ROA)……………….....…………...…….31 2.1.5.1 Perhitungan Return On Asset (ROA)…......................32 2.2 Kerangka Pemikiran ................................................................32 2.2.1
Pengaruh Dana Pihak Ketiga (DPK) terhadap Return On Asset (ROA)……..........…..…...32
2.2.2 Pengaruh Biaya Operasional Terhadap Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA)..........................................................................33 2.3 Hipotesis Penelitian .................................................................35
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BAB III
OBJEK DAN METODE PENELITIAN 3.1 Objek Penelitian ......................................................................36 3.1.1 Sejarah Singkat PT. Bank bjb ........................................36 3.1.2 Visi dan Misi PT. Bank bjb ...........................................39 3.1.3 Maksud, Tujuan dan Fungsi PT. Bank bjb ....................39 3.1.4 Aspek Kegiatan Usaha PT. Bank bjb............................41 3.1.5 Produk dan Pelayanan PT. Bank bjb..............................44 3.2 Metode Penelitian ....................................................................45 3.2.1 Metode yang Digunakan ..............................................45 3.2.2 Operasional Variabel Penelitian ..................................46 3.2.3 Populasi danTeknik Penentuan Sampel .......................48 3.2.3.1 Populasi ...........................................................48 3.2.3.2 Sampel .............................................................48 3.2.4 Teknik Pengumpulan Data ..........................................49 3.2.5 RancanganPengujian Hipotesis ...................................49 3.2.5.1 Uji Asumsi Klasik ...........................................50 3.2.5.2 Analisis Regresi Linier Berganda ...................54 3.2.5.3 Analisis Koefisien Korelasi ............................55 3.2.5.4 Analisis Koefisien Determinasi ......................55 3.2.6 Pengujian Hipotesis .....................................................56 3.2.6.1 Uji Parsial (Uji T) ...........................................56 3.2.6.2 Uji Simultan (Uji F) ........................................57
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BAB IV
HASIL PENELITIAN DAN PEMBAHASAN 4.1 Hasil Penelitian........................................................................59 4.1.1 Perkembangan Dana Pihak Ketiga pada PT. Bank bjb Periode 2009-201..................................59 4.1.2 Perkembangan Biaya Operasional terhadap Pendapatan Operasional (BOPO) Pada PT. Bank bjb Periode 2009-2013................................61 4.1.3 Perkembangan Return On Asset (ROA) Pada PT. Bank bjb Periode 2009-2013........................64 4.2 Hasil Uji Hipotesis..................................................................67 4.2.1 Uji Asumsi Klasik .......................................................67 4.2.1.1 Uji Normalitas .................................................67 4.2.1.2 Uji Heteroskedastisitas ....................................68 4.2.1.3 Uji Multikolonieritas .......................................69 4.2.1.4 Uji Autokorelasi...............................................70 4.2.1.5 Regresi Linier Berganda ..................................71 4.2.1.6 Analisis Koefisien Korelasi .............................73 4.2.1.7 Analisis Koefisien Determinasi .......................73 4.2.1.8 Uji Secara Parsial (Uji T) ................................75 4.2.1.9 Uji Secara Simultan (Uji F) .............................76 4.3 Hasil Pembahasan Penelitian....................................................77 4.3.1 Pengaruh Dana Pihak Ketiga (DPK) Terhadap Return On Asset (ROA)...............................................77
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4.3.2 Pengaruh Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA).....................................……..77 4.3.3 Pengaruh Dana Pihak Ketiga (DPK) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA) ..................................................................78 BAB V
KESIMPULAN DAN SARAN 5.1 Kesimpulan .............................................................................80 5.2 Saran .......................................................................................82
DAFTAR PUSTAKA .........................................................................................84 LAMPIRAN
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DAFTAR TABEL
Tabel 1.1
Dana Pihak Ketiga dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA) pada PT. Bank bjb periode 2009-2013 ..………………………………………................ 5
Tabel 2.1 Standar Pengukuran Tingkat ROA………………………………....32 Tabel 3.1 Sejarah Berdirinya Bank bjb………………………………………..37 Tabel 3.2 Produk dan Pelayanan PT. Bank bjb………………………………..44 Tabel 3.3 Operasional Variabel..........................................................................47 Tabel 3.4 Kriteria Pengujian Autokorelasi .........................................................52 Tabel 3.5 Pedoman Interpretasi Koefisien Korelasi ..........................................55 Tabel 4.1 Perkembangan Dana Pihak Ketiga pada PT. Bank bjb, Periode 20092013…………………...……………………….........……….………60 Tabel 4.2 Perkembangan Biaya Operasional terhadap Pendapatan Operasional (BOPO) PT. Bank bjb periode 2009-2013…….....................………62 Tabel 4.3 Perkembangan Return On Asset (ROA) pada PT. Bank bjb periode tahun 2009-2013 (dalam persen)…………….............…………........65 Tabel 4.6 Hasil Uji Multikolonieritas............................................................ .…70 Tabel 4.7 Hasil Uji Autokorelasi..................................................................…..71 Tabel 4.8 Hasil Uji Regresi Linier Berganda ...............................................…..72 Tabel 4.9 Hasil Uji Koefisien Korelasi ........................................................…..73 Tabel 4.10 Analisis Koefisien Determinasi ..................................................…..74
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Tabel 4.11 Hasil UjiSecaraParsial (Uji T) ....................................................…..75 Tabel 4.12 Hasil Uji Simultan (Uji F) ...........................................................…..76
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DAFTAR GAMBAR
Gambar
2.1 Kerangka Pemikiran ..............................................................……34
Gambar
4.1 Grafik Perkembangan Dana Pihak Ketiga pada PT. Bank bjb, Periode 2009-2013.................................................61
Gambar
4.2 Grafik Perkembangan Biaya Operasional terhadap Pendapatan Operasional (BOPO)PT. Bank bjb, Periode 2009-2013…….……63
Gambar
4.3 Grafik Perkembangan Return On Asset (ROA) PT. Bank bjb periode 2009-2013……………………………..……...………….66
Gambar
4.4 Hasil Uji Normalitas dengan Normal P-P Plot......................... .…68
Gambar
4.5 Hasil Uji Heteroskedastisitas .................................................……69
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DAFTAR LAMPIRAN
Lampiran 1 Laporan Keuangan Publikasi Triwulan, Laporan Rasio Keuangan PT. Bank bjb periode 2009-2013. Lampiran 2 Surat
Keputusan
Penetapan
Pembimbing
Penyusunan
dan
Penulisan Skripsi Lampiran 3 Surat Permohonan Perubahan Topik/Judul Skripsi Lampiran 4 Photo copy Kartu Bimbingan Lampiran 5 Hasil SPSS 20.0 (Uji Normalitas, Heteroskedastisitas, Multikolonieritas, Autokorelasi, Regresi Linear Berganda, Analisis
Koefisien
Korelasi,
Analisis
Koefisien
Determinasi, Uji Parsial dan Uji Simultan) Lampiran 6 Tabel t Hitung Lampiran 7 Tabel F Hitung Lampiran 8 Daftar Riwayat Hidup
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