Kinerja Roa Kantor Cabang Bank X di Surakarta

SUKIRNO, Dr.Ir. Any Suryantini, MM

2005 | Tesis | Magister Manajemen Agribisnis

Tujuan penelitian adalah untuk mengetahui hubungan suku bunga kredit modal kerja, Non Performing Loan (NPL) dan Outstanding kredit modal kerja terhadap Return On Asset (ROA) di kantor cabang bank X. Penelitian dimaksudkan untuk memberikan informasi kepada manajemen Bank X mengenai hubungan suku bunga kredit , Non Performing Loan (NPL) dan Outstanding kredit modal kerja terhadap Return On Asset (ROA), sehingga pengembangan asset dapat dilakukan secara baik dan tujuan meningkatan rentabilitas perusahaan Objek penelitian adalah PT. Bank X Kantor Cabang Surakarta, Jalan Jendral Sudirman Surakarta, dimana Kantor Cabang Bank X merupakan Kantor Cabang Ritel yang melayani produk kredit ritel. Adapun data yang diamati adalah data neraca dan laporan-laporan keuangan selama 36 bulan dari tahun 2001 sampai 2003. Metode statistik yang digunakan berupa analisis korelasi dan regresi linear berganda. Hasil penelitian menunjukkan (Y = 0,971- 0.390 X1 + 0,604 X2 - 0,117 X3) bahwa Suku bunga tidak signifikan terhadap ROA karena besarnya pendapatan bunga setelah dikurangi biaya bunga atau Nett Interest menjadi relatif tetap. Apabila bunga naik maka biaya bunga juga naik. NPL tidak berpengaruh Signifikan, karena NPL masih dibawah 5% sehingga pengaruh terhadap rugi laba perusahaan relatif kecil

The objective of this research were to know the related in rate of interest, Non Performing Loan (NPL), and outstanding credit of working capital to return on asset (ROA). This research was aimed to give information for Management of Bank X about related in rate of interest, Non Performing Loan (NPL), and outstanding credit of working capital to return on asset (ROA) so developing for asset can be gone well and rent ability of company can be increased. The data was taken from balance and finance report monthly for 2001 – 2003 in Bank X Surakarta Branch office. Analysis method used were correlation analysis and linear multiple regression. The research showed that relation of rate of interest to ROA is not significant because the net interest is constant relatively. If the rate of interest increase, the costs of rate of interest will increase. The impact of NPL is not significant because NPL was under 5% so its effect to lose/benefit’s company is small relatively.

Kata Kunci : Rate of interest, Non Performing Loan (NPL), Outstanding, ROA, Suku Bunga, NPL, Outstanding, ROA