PENGARUH TOTAL KREDIT, EFISIENSI DAN CAPITAL ADEQUACY RATIO TERHADAP LABA BERSIH PADA HIMBARA YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2015-2020

Dwi Widia Kusumawati, Dwi Widia Kusumawati (2022) PENGARUH TOTAL KREDIT, EFISIENSI DAN CAPITAL ADEQUACY RATIO TERHADAP LABA BERSIH PADA HIMBARA YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2015-2020. skripsi thesis, Universitas batanghri.

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Abstract

ABSTRACT DWI WIDIA KUSUMAWATI/ 1800861201328/ FACULTY OF ECONOMICS/ FINANCIAL MANAGEMENT/ 2022/ THE INFLUENCE OF TOTAL KREDIT, EFFICIENCY AND CAPITAL ADEQUACY RATIO ON THE NET PROFIT OF HIMBARA LISTED ON THE INDONESIA STOCK EXCHANGE (IDX) FOR THE 2015 – 2020 PERIOD/ 1 ADVISOR IS DR. PANTUN BUKIT, SE.M.Si. AND 2 nd ADVISOR IS FADIL ISKANDAR, SE.MM. Credit is one part of the creation of funds provided by banks or financial institutions to the public in an effort to encourage the formation of working capital or business capital. Banks are encouraged to be more efficient in managing, maintaining, and carrying out their company management activities. Companies need to pay attention to the income received and expenses made during operating activities, so that the company can generate the desired profit for its business continuity. If income is greater than expenses, the company will make a profit and vice versa if income is less than expenses, the company will experience a loss. The research methodology used is descriptive quantitative analysis method and statistical analysis method. the data used is secondary data. Hypothesis testing was carried out using the F test and t test, with a significance level of (a) 0.05%. Data analysis used statistical data processing software, namely SPSS version 25 for windows. Explains various components such as variable explanations, relationships between variables, research methods, and operational variables and others. From this we can conclude several explanations of the variables that we examine in this thesis. Explain the description of the object of historical research and brief profiles of the companies that are the objects of research in this thesis and explain the chart structure of these companies. The public needs to know the bank's ability to serve the community in terms of the number of products, capital or service quality and in providing or distributing credit to people in need. This study was conducted to determine the relationship between total credit, efficiency and capital adequacy ratio to net income at state-owned banks listed on the Indonesia Stock Exchange. The relationship sought in this study is a partial (t-test) and simultaneous (F-test) relationship between total credit, efficiency and the ratio of capital adequacy to net income. The results of the study obtained F count of 212.607 while F table of 3.10 which means that it has a significant effect on net income. Meanwhile, for partial testing, the results show that total credit, efficiency and capital adequacy ratios have a significant effect on net income at state-owned banks. From this thesis research, it can be concluded that total credit, efficiency and capital adequacy ratio have a significant effect on net income at the association of state-owned banks, and 97% of total credit, efficiency and capital adequacy ratio to net income. while 3% is affected by other variables not in this script.

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