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Bni, Bri, Btn, Bank Mandiri, Bca, Bank Danamon, Bank Permata, Bii) Tahun 2008-2011 Ita Purbosari

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Bni, Bri, Btn, Bank Mandiri, Bca, Bank Danamon, Bank Permata, Bii) Tahun 2008-2011 Ita Purbosari perpustakaan.uns.ac.id digilib.uns.ac.id ANALISIS PENGARUH CAMEL TERHADAP KINERJA PERUSAHAAN PADA BANK UMUM (BNI, BRI, BTN, BANK MANDIRI, BCA, BANK DANAMON, BANK PERMATA, BII) TAHUN 2008-2011 Diajukan untuk Melengkapi Tugas-tugas dan Memenuhi Syarat-syarat dalam Mengajukan Skripsi serta Mencapai Gelar Sarjana Ekonomi Jurusan Ekonomi Pembangunan Universitas Sebelas Maret Oleh : ITA PURBOSARI F 1110012 FAKULTAS EKONOMI UNIVERSITAS SEBELAS MARET SURAKARTA 2012 commit to user perpustakaan.uns.ac.id digilib.uns.ac.id commit to user ii perpustakaan.uns.ac.id digilib.uns.ac.id commit to user iii perpustakaan.uns.ac.id digilib.uns.ac.id MOTTO DAN PERSEMBAHAN MOTTO : Ø Sesungguhnya setelah kesusahan itu ada kemudahan oleh karena itu kerjakanlah sesuatu itu dengan sungguh-sungguh (QS. Al- Insyiroh: (6-7)) Ø “Janganlah bertanya apa yang akan kamu peroleh dari negaramu, tapi bertanyalah apa yang dapat kamu berikan kepada bangsamu” (John F. Kenedy) PERSEMBAHAN Karya ini penulis persembahkan kepada : 1. Kedua orang tuaku tercinta, Bapak dan Ibu, yang senantiasa mendukung dan memberikan motivasi dan perhatiannya. 2. Kedua kakakku tersayang, Mb Ena dan Mb Evi. 3. Sahabat-sahabatku yang selalu memberikan semangat untuk terus maju dan berjuang. 4. Almameter 5. Pembaca yang budiman commit to user iv perpustakaan.uns.ac.id digilib.uns.ac.id KATA PENGANTAR Penulisan skripsi ini diajukan guna memenuhi persyaratan untuk mencapai gelar Sarjana Ekonomi Jurusan Ekonomi Pembangunan Universitas Sebelas Maret Surakarta. Dalam menyelesaikan skripsi ini, tidak sedikit penulis menemui hambatan dan kesulitan. Hambatan dan kesulitan ini datang dari singkat waktu dan keterbatasan kemampuan penulis, namun berkat bantuan dari berbagai pihak akhirnya kesulitan yang timbul dapat teratasi. Oleh karena itu dalam kesempatan ini penulis sampaikan penghargaan yang tidak terhingga dan ucapan terima kasih yang sebesar-besarnya kepada yang terhormat : 1. Drs. Supriyono, M.Si. selaku Ketua Jurusan Ekonomi Pembangunan Fakultas Ekonomi Universitas Sebelas Maret Surakarta. 2. Drs. Sutanto, M.Si. selaku dosen pembimbing skripsi yang telah memberikan waktu untuk membimbing dan memberikan petunjuk penting dalam penulisan skripsi ini. 3. Segenap dosen pengajar Program Studi Jurusan Ekonomi Pembangunan Fakultas Ekonomi Universitas Sebelas Maret Surakarta, yang telah memberi bekal ilmu kepada penulis sehingga dapat menyelesaikan skripsi ini. 4. Seluruh staf karyawan Fakultas Ekonomi Universitas Sebelas Maret Surakarta, yang senantiasa memberikan bantuan dan kerjasamanya. 5. Seluruh keluarga yang selalu memberikan doa dan semangat untuk segera lulus. commit to user v perpustakaan.uns.ac.id digilib.uns.ac.id 6. Sahabat-sahabatku yang setia mendengarkan keluh kesah dan senantiasa mendampingi suka duka serta membantu tiap langkah menuju terselesainya skripsi ini. 7. Semua pihak yang tidak dapat disebutkan satu persatu yang telah membantu dalam menyelesaikan tugas akhir ini. Semoga amal kebaikan semua pihak tersebut mendapatkan imbalan dari Allah SWT. Penulisan skripsi ini masih terdapat banyak kekurangan, hal ini disebabkan keterbatasan kemampuan penulis. Oleh karena itu, kritik dan saran sangat penulis harapkan demi kesempurnaan penulisan skripsi ini. Dengan kerendahan hati, semoga penulisan skripsi ini bermanfaat bagi penulis maupun pembaca walaupun hanya sedikit, Amin ya Robbal Alamin. Surakarta, Juli 2012 Penulis commit to user vi perpustakaan.uns.ac.id digilib.uns.ac.id DAFTAR ISI HALAMAN JUDUL ............................................................................................ i HALAMAN ABSTRAKSI .................................................................................. ii HALAMAN PERSETUJUAN ............................................................................ iii HALAMAN PENGESAHAN ............................................................................. iv HALAMAN MOTTO DAN PERSEMBAHAN ................................................ v KATA PENGANTAR.......................................................................................... vi HALAMAN DAFTAR ISI .................................................................................. viii HALAMAN DAFTAR TABEL .......................................................................... x HALAMAN DAFTAR GAMBAR ..................................................................... xi HALAMAN DAFTAR LAMPIRAN.............................................................. xii BAB I PENDAHULUAN .................................................................................... 1 A. Latar Belakang Masalah...................................................................... 1 B. Perumusan Masalah............................................................................. 6 C. Tujuan Penelitian ................................................................................. 6 D. Manfaat Penelitian............................................................................... 7 BAB II TINJAUAN PUSTAKA ......................................................................... 8 A. Pengertian Kinerja Perusahaan ........................................................... 8 B. Pengertian dan Bentuk Lembaga Keuangan ...................................... 8 C. Pengertian Bank................................................................................... 10 D. Arah Kebijakan Perbankan ................................................................. 13 E. Laporan Keuangan Perbankan ............................................................ 19 commit to user vii perpustakaan.uns.ac.id digilib.uns.ac.id F. Rasio Keuangan Perbankan ................................................................ 24 G. Penilaian Kesehatan Perbankan .......................................................... 36 H. Penelitian Terdahulu ........................................................................... 41 I. Kerangka Pemikiran ............................................................................ 46 J. Hipotesis............................................................................................... 48 BAB III METODOLOGI PENELITIAN....................................................... 49 A. Ruang Lingkup Penelitian .................................................................... 49 B. Jenis Dan Sumber Data ......................................................................... 50 C. Teknik Pengumpulan Data ................................................................... 52 D. Populasi, Sampel dan Teknik Pengambilan Sampel ........................... 53 E. Definisi Operasional Variabel .............................................................. 57 F. Metode Analisis Data ........................................................................... 60 BAB IV ANALISIS DATA DAN PEMBAHASAN...……………………... 73 A. Deskripsi Objek Penelitian ................................................................... 73 B. Analisis Data dan Pembahasan............................................................. 99 BAB V PENUTUP ............................................................................................... 119 A. KESIMPULAN ..................................................................................... 119 B. SARAN .................................................................................................. 120 DAFTAR PUSTAKA LAMPIRAN commit to user viii perpustakaan.uns.ac.id digilib.uns.ac.id DAFTAR TABEL Tabel 2.1. Perbandingan Bank dan Lembaga Keuangan Bukan Bank.............. 9 Tabel 4.1 Perkembangan ROA tahun 2008-2011……………………………. 93 Tabel 4.2 Perkembangan CAR tahun 2008-2011……………………………. 94 Tabel 4.3 Perkembangan NPL tahun 2008-2011…………………………….. 95 Tabel 4.4 Perkembangan ROE tahun 2008-2011……………………………. 96 Tabel 4.5 Perkembangan NIM tahun 2008-2011……………………………. 97 Tabel 4.6 Perkembangan BOPO tahun 2008-2011…………………………... 98 Tabel 4.7 Perkembangan LDR tahun 2008-2011……………………………. 99 Tabel 4.8. Pengujian Common Effect Vs Fixed Effect ……………………… 103 Tabel 4.9. Hasil Regresi Utama ……………………………........................... 105 Tabel 4.10. Hasil Uji Lagrange-Multiplier (LM)…………………………… 107 Tabel 4.12. Hasil Uji White………………………………………………… 108 Tabel 4.13. Hasil Uji Auxiliary Regression……………………………………109 Tabel 4.10 Nilai t-statistic (α=5%)…………………………………………. 110 commit to user ix perpustakaan.uns.ac.id digilib.uns.ac.id DAFTAR GAMBAR Gambar 2.1. Kerangka pemikiran……………………………………………. 47 Gambar 4.1. Uji Normalitas………………………………………………….. 106 commit to user x perpustakaan.uns.ac.id digilib.uns.ac.id DAFTAR LAMPIRAN LAMPIRAN 1. Data Hasil Tabulasi LAMPIRAN 2. Hasil Regresi Data Panel Model Common Effects LAMPIRAN 3. Estimasi Regresi Data Panel Model Common Effects LAMPIRAN 4. Hasil Regresi Data Panel Model Fixed Effects (Cross Section) LAMPIRAN 5. Hasil Regresi Data Panel Model Random Effects LAMPIRAN 6. Pengujian Model Fixed Effecst vs Common Effects LAMPIRAN 7. Pengujian Kesamaan Estimasi Fixed Effects vs Random Effects LAMPIRAN 8. Hasi Uji Normalitas (Histogram Residual) LAMPIRAN 9. Grafik Residual Analisis Regresi Data Panel Model Common Effect LAMPIRAN 10. Hasil Uji Otokorelasi dengan Uji Lagrange-Multiplier (LM) LAMPIRAN 11. Hasil Uji Heteroskedastisitas dengan Uji White LAMPIRAN 12. Hasil Uji Multikolinearitas dengan menggunakan regresi auxiliary commit to user xi perpustakaan.uns.ac.id digilib.uns.ac.id ABSTRAKSI ANALISIS PENGARUH CAMEL TERHADAP KINERJA PERUSAHAAN PADA BANK UMUM (BNI, BRI, BTN, BANK MANDIRI, BCA, BANK DANAMON, BANK PERMATA, BII) TAHUN 2008-2011 ITA PURBOSARI F 1110012 Penelitian ini
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