94
DAFTAR PUSTAKA
Abid, Lobna; Med Nejib Ouertani, dan Sonia Zouari-Ghorbel. 2014. “Macroeconomic and Bank-Specific Determinants of Household’s NonPerforming Loans in Tunisia: a Dynamic Panel Data”. Elsevier. Abdullah, Mohammad Nayeem dan Nusrat Jahan.2014. “ The Impact of Liquidity on Profitability in Banking Sector of Bangladesh: A Case of Chittagong Stock Exchange”.Bangladesh, EPRA International Journal of Economic and Business Review, Vol. 2 Issue 10. Arifian, Dini & Ferdian Arie Bowo. 2014. ”Analisis Economic Value Added dan Return on Asset (ROA) Pada Kinerja Perusahaan Terbuka”. Jurnal Studi Akuntansi dan Bisnis, Vol.2 , No.1, ISSN 2337-6112. Albulescu, Claudiu Tiberiu. 2015. “Banks’ Profitability and Financial Soundness Indicators: A Macro-Level Investigation in Emerging Countries”. Elsevier. Alper, Deger dan Adem Anbar. 2011, “Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Turkey”. Business and Economics Research Journal, Volume 2, Number 2, Halaman 139-152. Al-Tamimi, Abdalla Moh’d; Khaled, and Samer Fakhri Obeidat. 2013. “Determinants of Capital Adequacy in Commercial Banks of Jordan an Empirical Study”. International Journal of Academic Research in Economics and Management Sciences July 2013, Vol. 2, No. 4. Ayaydin, Hasan dan Aykut Karakaya. 2014. “The Effect of Bank Capital on Profitability and Risk in Turkish Banking”. International Journal of Business and Social Science, Vol. 5, No. 1. Bastian, Indra. 2006. Akuntansi Sektor Publik: Suatu Pengantar. Erlangga: Jakarta. Căpraru, Bogdan dan Iulian Ihnatov. 2014.”Banks’ Profitability in Selected Central and Eastern European Countries”. Elsevier.
http://digilib.mercubuana.ac.id/
95
Ćurak, Marijana; Klime Poposki, dan Sandra Pepur. 2012. “Profitability Determinants of the Macedonian Banking Sector in Changing Environment”. Elsevier. Dendawijaya, Lukman. 2005. Manajemen Perbankan. Edisi 2. Ghalia Indonesia. Jakarta. Fahmi, Irfan. 2011. Analisis Laporan Keuangan. Bandung: Alfabeta. Ikatan Akuntansi Indonesia. . 2012. Pengantar Pasar Modal. Bandung: Alfabeta Ghozali, Imam, 2009. Aplikasi Analisis Multivariate Dengan Program SPSS. Edisi Keempat. Penerbit Universitas Diponegoro. Giri, Antung Agil Ibnu. 2016. “Analisis Faktor-Faktor Yang Mempengaruhi Kinerja Keuangan Bank Yang Terdaftar di Bursa Efek Indonesia”. Journal Ilmu Administrasi Bisnis, Vol 4, hal: 26-39. Handayani, Puspita Sari. 2005. “Analisis Perbandingan Kinerja Bank Nasional, Bank Campuran, dan Bank Asing Dengan Menggunakan Rasio Keuangan”. Tesis. Program Studi Magister manajemen, Program Pascasarjana. Universitas Diponegoro. Semarang. Iskandar, Syamsu. 2013. Akuntansi Perbankan Dalam Rupiah dan Valuta Asing. Penerbit In Media. Jakarta. Jabbar, Haroon. 2014. “Determinants of Banks Profitability”. IOSR Journal of Business and Management (IOSR-JBM), Volume 16, Vol. IV, Halaman 109-113. Kirui, Simion.2014. “The Effect of Non Performing Loans on Profitability of Commercial Banks In Kenya”. Research, Master Of Business Administration Degree University Of Nairobi. Li, Fan dan Yijun Zou. 2014. “The Impact of Credit Risk Management on Profitability of Commercial Banks”. Umea School of Business and Economics.
http://digilib.mercubuana.ac.id/
96
Margaretha, Farah dan Pingkan M Zai. 2013. ”Faktor-Faktor yang Mempengaruhi Kinerja Keuangan Perbankan Indonesia”. Jurnal Bisnis dan Akuntansi Universitas Trisakti, Volume 15, Nomor 2, hal. 133-141. Merentek, Kartika Citra Claudia. 2013. “Analisis Kinerja Keuangan Antara Bank Negara Indonesia dengan Bank Mandiri Menggunakan Metode CAMEL”. Fakultas Ekonomi Jurusan Manajemen Universitas Sam Ratulangi Manado Jurnal EMBA, Volume 1, no 3. Mudrajad, Kuncoro dan Suhardjono. 2011. Manajemen Perbankan Teori dan Aplikasi Yogyakarta. BPFE Yogyakarta. Mulyadi. 2007. Sistem Akuntansi, Jakarta: Selemba Empat. Olalekan, Asikhia and Adeyinka, Sokefun. 2013. “Capital Adequacy And Banks' Profitability: An Empirical Evidence From Nigeria”. American International Journal of Contemporary Research, Volume 3, No. 10. Peraturan Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum. Peraturan Nomor 11/25/PBI/2009 tentang Penerapan Manajemen Risiko bagi Bank Umum. Petria, Nicolae; Bogdan Capraru, dan Iulian Ihnatov. 2015. ”Determinants of banks profitability: evidence from EU 27 banking systems”. Elsevier. Purwoko, Didik dan Bambang Sudiyatno. 2013. ”Faktor-Faktor yang Mempengaruhi Kinerja Bank (Studi Empirik pada Industri Perbankan di Bursa Efek Indonesia)”. Jurnal Bisnis dan Ekonomi (JBE), Vol. 20, No. 1, Hal. 25-39. M, Muh Sabir,; Muh. Ali, dan Abd. Hamid. 2012. ”Pengaruh Rasio Kesehatan Bank Terhadap Kinerja Keungan Bank Umum Syariah dan Bank Konvensional di Indonesia”. Jurnal Analisis, Vol.1, No.1, hal. 79-86. Notoatmodjo. 2010. Metodologi Penelitian Kesehatan. PT. Rineka Cipta. Jakarta. Parvin, Afroza and Mirza Arifur Rahman. 2012.“Financial Performance Analysis of Selected Private Conventional Commercial Banks of Bangladesh”.The International Journal of Business & Management. ISSN 2321-8916.
http://digilib.mercubuana.ac.id/
97
M, Muh. Sabir; Muhammad Ali, dan Abd. Hamid Habbe. 2012. “Pengaruh Rasio Kesehatan Bank Terhadap Kinerja Keuangan Bank Umum Syariah dan Bank Konvesional di Indonesia”. Jurnal Analisis,Vol.1, No.1, Hal. 79-86. Subaweh, Imam. 2008. ”Analisis Perbandingan Kinerja Keuangan Bank Syariah dan Bank Konvensional Periode 2003-2007”. Jurnal Ekonomi Bisnis, No. 2, Vol. 13. Sari, Kartika, Lisa. 2012. Penerapan Manajemen Risiko Pada Perbankan Di Indonesia. Universitas Negeri Surabaya. Saksonova, Svetlana. 2012. “Role of Net Interest Margin in Improving Banks’ Asset Structure and Assessing the Stability and Efficiency of their Operations”.Elsevier. Shukla, Dr. Smita. 2016.“Analysis of Banking System Performance Of Select Global Economies With That Of India-During And After The Global Financial”. Elsevier. Sudiyatno, Bambang. 2010.”Analisis Pengaruh Dana Pihak Ketiga, BOPO, CAR dan LDR terhadap Kinerja Keuangan Pada Sektor Perbankan Yang Go Public di Bursa Efek Indonesia (BEI) Periode 2005-2008”. Dinamika Keuangan dan Perbankan, Hal: 125-137. Sudiyatno, Bambang dan Asih Fatmawati. 2013. “Pengaruh Resiko Kredit dan Efisiensi Operasional terhadap Kinerja Bank (Studi Empirik pada Bank yang Terdaftar di Bursa Efek Indonesia)”. Jurnal Organisasi dan Manajemen, Volume 9, Nomor 1, hal 73-86. Sudiyatno, Bambang dan Jati Suroso. 2010. “Analisis penagruh Dana Pihak Ketiga, BOPO, CAR dan LDR Terahadap Kinerja Dinamika Keuangan dan Perbankan Keuangan paa Sektor Perbankan yang Go Public di Bursa Efek Indonesia Periode 2005 – 2008 “. Dinamika Keuangan dan Perbankan, Hal: 125-137. Sugiyono. 2009. Metode Penelitian Kuantitatif dan Kualitatif. CV. Alfabeta: Bandung. Sukarno, Kartika Wahyu dan Muhamad Syaichu. 2006. “Analisis Faktor-Faktor Yang Mempengaruhi Kinerja Bank Umum di Indonesia”. Jurnal Studi Manajemen dan Organisasi, Volume 3, Nomor 2, Halaman 46.
http://digilib.mercubuana.ac.id/
98
Tarusa, Daniel K.; B. Yonas Chekol, dan Milcah Mutwol. 2012. ”Determinants of Net Interest Margins of Commercial Banks in Kenya: A Panel Study”. Elsevier. Titko, Jelena; Viktorija Skvarciany, dan Daiva Jurevi ˇcien. 2014. ”Drivers of bank profitability: Case of Latvia and Lithuania”. Elsevier. Undang-undang Republik Indonesia Nomor 7 Tahun 1992 Tentang Perbankan. Undang-undang Republik Indonesia Nomor 10 Tahun 1998 Tentang Perbankan. Werdaningtyas, Hesti. 2002. Faktor yang Mempengaruhi Profitabilitas Bank Take Over Pramerger di Indonesia. Jurnal Manajemen Indonesia. Wibowo, Satriyo Edhi dan Muhammad Syaichu. 2013. “Analisis Pengaruh Suku Bunga, Inflasi, CAR, BOPO, NPF Terhadap Profitabilitas Bank Syariah”. Dipenogoro Journal Of Management, Volume 2, Nomor 2, Halaman 1-10.
http://digilib.mercubuana.ac.id/
GET DATA /TYPE=ODBC /CONNECT='DSN=Excel Files;DBQ=C:\Users\Dika\Documents\THESIS\AGUSTINA\DATA JADI.xlsx;Driv 5;' /SQL='SELECT COMPANY, `YEAR`, CAR, NPL, NIM, LDR, BOPO, ROA FROM `data$`' /ASSUMEDSTRWIDTH=255. CACHE. EXECUTE. DATASET NAME DataSet1 WINDOW=FRONT. DESCRIPTIVES VARIABLES=CAR NPL NIM LDR BOPO ROA /STATISTICS=MEAN SUM STDDEV VARIANCE RANGE MIN MAX SEMEAN KURTOSIS SKEWNESS.
Descriptives Notes Output Created
04-Sep-2016 16:34:41
Comments
Input
Active Dataset
DataSet1
Filter
<none>
Weight
<none>
Split File
<none>
N of Rows in Working Data File Missing Value Handling
120 User defined missing values are treated as missing.
Definition of Missing Cases Used
All non-missing data are used. DESCRIPTIVES VARIABLES=CAR NPL NIM LDR BOPO ROA /STATISTICS=MEAN SUM STDDEV VARIANCE RANGE MIN MAX SEMEAN KURTOSIS SKEWNESS.
Syntax
Resources
Processor Time
00:00:00.000
Elapsed Time
00:00:00.015
[DataSet1]
Descriptive Stat N
Range
Minimum
Statistic
Statistic
Statistic
CAR
120
86,49
1,00
NPL
120
12,28
,00
NIM
120
113,06
,24
LDR
120
137,92
2,80
BOPO
120
140,52
33,28
ROA
120
13,00
-7,58
Valid N (listwise)
120
http://digilib.mercubuana.ac.id/
A\DATA JADI.xlsx;DriverId=1046;MaxBufferSize=2048;PageTimeout=
Descriptive Statistics Maximum
Sum
Statistic
Statistic
Mean Statistic
Std. Error
Std. Deviation
Variance
Statistic
Statistic
Skewness Statistic
Std. Error
87,49
2280,51
19,0043
,80272
8,79339
77,324
4,430
,221
12,28
263,42
2,1952
,17666
1,93519
3,745
2,723
,221
113,30
925,29
7,7108
1,46605
16,05979
257,917
6,097
,221
140,72
9993,73
83,2811
1,69349
18,55124
344,149
-1,923
,221
173,80
10154,01
84,6168
1,60542
17,58649
309,285
,905
,221
5,42
189,14
1,5762
,16038
1,75683
3,086
-1,729
,221
http://digilib.mercubuana.ac.id/
Kurtosis Statistic
Std. Error
31,746
,438
11,610
,438
36,672
,438
7,822
,438
6,592
,438
8,402
,438
http://digilib.mercubuana.ac.id/
REGRESSION /MISSING LISTWISE /STATISTICS COEFF OUTS R ANOVA /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT ABS /METHOD=ENTER CAR NIM LDR BOPO NPL /SCATTERPLOT=(*SRESID ,*ZPRED).
Regression Notes Output Created
24-Sep-2016 13:11:19
Comments Data
Input
E:\SPSS\MASTER.sav
Active Dataset
DataSet1
Filter
<none>
Weight
<none>
Split File
<none>
N of Rows in Working Data File Definition of Missing
User-defined missing values are treated as missing.
Cases Used
Statistics are based on cases with no missing values for any variable used.
Missing Value Handling
REGRESSION /MISSING LISTWISE /STATISTICS COEFF OUTS R ANOVA /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT ABS /METHOD=ENTER CAR NIM LDR BOPO NPL /SCATTERPLOT=(*SRESID ,*ZPRED).
Syntax
Resources
120
Processor Time
00:00:00,485
Elapsed Time
00:00:00,436
Memory Required
3460 bytes
Additional Memory Required for Residual Plots
208 bytes
[DataSet1] E:\SPSS\MASTER.sav Variables Entered/Removedb Model
1
Variables Entered
Variables Removed
NPL, NIM, CAR, LDR, BOPOa
http://digilib.mercubuana.ac.id/
.
a. All requested variables entered. b. Dependent Variable: ABS Model Summaryb Model
R
R Square
1
,138a
,019
a. Predictors: (Constant), NPL, NIM, CAR, LDR, BOPO b. Dependent Variable: ABS ANOVAb Model
Sum of Squares Regression
1
2,984
Residual
152,701
Total
155,686
a. Predictors: (Constant), NPL, NIM, CAR, LDR, BOPO b. Dependent Variable: ABS Coefficientsa Unstandardized Coefficients
Model
B
1
(Constant)
-,493
CAR
-,006
NIM
,019
LDR
,004
BOPO
,007
NPL
-,329
a. Dependent Variable: ABS Residuals Statisticsa Minimum Predicted Value
Maximum -,4836751
,4758121
-3,054
3,005
,111
,890
-2,3422287
,6426696
-2,02615738
5,56263304
Std. Residual
-1,751
4,806
Stud. Residual
-1,839
5,694
-2,23573112
7,80681849
Std. Predicted Value Standard Error of Predicted Value Adjusted Predicted Value Residual
Deleted Residual Stud. Deleted Residual
-1,859
6,701
Mahal. Distance
,102
69,401
Cook's Distance
,000
2,180
Centered Leverage Value
,001
,583
a. Dependent Variable: ABS
Charts http://digilib.mercubuana.ac.id/
http://digilib.mercubuana.ac.id/
Method
Enter
http://digilib.mercubuana.ac.id/
Adjusted R Std. Error of the Square Estimate -,024 1,15736139
df
Mean Square 5
,597
114
1,339
F
Sig. ,446
,816a
119
Standardized Coefficients
ed Coefficients Std. Error
t
Sig.
Beta
1,353
-,364
,716
,014
-,042
-,410
,682
,068
,033
,279
,780
,009
,053
,495
,622
,009
,101
,749
,455
,220
-,176
-1,493
,138
Mean
Std. Deviation
N
,0000000
,15836157
120
,000
1,000
120
,233
,113
120
-,0314963
,29394922
120
,00000000
1,13278616
120
,000
,979
120
,013
1,049
120
,03149631
1,31197254
120
,027
1,124
120
4,958
8,109
120
,031
,206
120
,042
,068
120
http://digilib.mercubuana.ac.id/
http://digilib.mercubuana.ac.id/
REGRESSION /MISSING LISTWISE /STATISTICS COEFF OUTS BCOV R ANOVA COLLIN TOL /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT ROA /METHOD=ENTER CAR NPL NIM LDR BOPO.
Regression Notes Output Created
24-Sep-2016 11:46:31
Comments Data
Input
E:\MASTER.sav
Active Dataset
DataSet1
Filter
<none>
Weight
<none>
Split File
<none>
N of Rows in Working Data File Definition of Missing Missing Value Handling
User-defined missing values are treated as missing. Statistics are based on cases with no missing values for any variable used. REGRESSION /MISSING LISTWISE /STATISTICS COEFF OUTS BCOV R ANOVA COLLIN TOL /CRITERIA=PIN(.05) POUT(.10) /NOORIGIN /DEPENDENT ROA /METHOD=ENTER CAR NPL NIM LDR BOPO.
Cases Used
Syntax
Resources
120
Processor Time
00:00:00,141
Elapsed Time
00:00:00,110
Memory Required
3324 bytes
Additional Memory Required for Residual Plots
0 bytes
[DataSet1] E:\MASTER.sav Variables Entered/Removedb Model
1
Variables Entered
Variables Removed
BOPO, CAR, LDR, NIM, NPLa
a. All requested variables entered. b. Dependent Variable: ROA
http://digilib.mercubuana.ac.id/
.
Model Summary Model
R
1
R Square ,969a
,939
a. Predictors: (Constant), BOPO, CAR, LDR, NIM, NPL ANOVAb Model
Sum of Squares Regression
1
364,435
Residual
23,626
Total
388,061
a. Predictors: (Constant), BOPO, CAR, LDR, NIM, NPL b. Dependent Variable: ROA Coefficientsa Unstandardized Coefficients
Model
B
1
(Constant)
9,513
CAR
-,008
NPL
-,047
NIM
,120
LDR
-,006
BOPO
-,091
a. Dependent Variable: ROA Coefficient Correlationsa Model BOPO CAR Correlations
LDR NIM NPL
1
BOPO CAR Covariances
LDR NIM NPL
a. Dependent Variable: ROA Collinearity Diagnosticsa Model
1
Dimension
Eigenvalue
1
5,300
2
,437
3
,152
4
,084
5
,023
6
,004
a. Dependent Variable: ROA
http://digilib.mercubuana.ac.id/
http://digilib.mercubuana.ac.id/
One-Sample Kolmogorov-Smirnov Test Unstandardized Residual N Normal Parametersa
120 Mean
,0000000
Std. Deviation Most Extreme Differences
1,14380194
Absolute
,111
Positive
,111
Negative
-,079
Kolmogorov-Smirnov Z
1,217
Asymp. Sig. (2-tailed)
,103
a. Test distribution is Normal.
http://digilib.mercubuana.ac.id/
Method
Enter
http://digilib.mercubuana.ac.id/
Adjusted R Std. Error of the Durbin-Watson Square Estimate ,936 ,45525 1,848
df
Mean Square 5
72,887
114
,207
F
Sig.
351,687
,000a
119
Coefficientsa Standardized Coefficients
ed Coefficients Std. Error
t
Collinearity Statistics
Sig.
Beta
Tolerance
,567
16,776
,000
VIF
,005
-,038
-1,555
,123
,877
1,141
,028
-,052
-1,699
,092
,573
1,746
,027
,131
4,503
,000
,634
1,578
,004
-,046
-1,734
,086
,748
1,336
,004
-,871
-24,051
,000
,407
2,458
nt Correlationsa BOPO
CAR
LDR
1,000
,033
,033 ,330
NIM
NPL
,330
,537
-,596
1,000
,263
-,017
,126
,263
1,000
-,038
-,312
,537
-,017
-,038
1,000
-,164
-,596
,126
-,312
-,164
1,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,000
,001
,000
,000
,000
,000
,000
,001
Collinearity Diagnosticsa Variance Proportions Condition Index
(Constant)
CAR
NPL
NIM
LDR
BOPO
1,000
,00
,00
,01
,00
,00
,00
3,481
,00
,04
,44
,02
,00
,00
5,906
,00
,44
,00
,23
,01
,00
7,952
,01
,35
,30
,22
,02
,05
15,048
,00
,07
,04
,30
,43
,23
37,396
,99
,09
,22
,23
,54
,71
http://digilib.mercubuana.ac.id/
http://digilib.mercubuana.ac.id/
http://digilib.mercubuana.ac.id/
