Judul: Pengaruh Non Performing Loan, Capital adequacy Ratio, Loan to Deposit Ratio, dan Marjin Suku Bunga Terhadap Net Interest Margin (Studi Kasus: PT Bank Danamon Indonesia Tbk)
Abstrak: PT Bank Danamon Indonesia Tbk is one of the private bank which was established on July 16, 1956 in Jakarta, Indonesia. Credit which distributed to the public contain the potential losses due to low quality borrowers and uncertainly banking economic situation. Expansion of bank credit will play the interest rate in order to improve profitability, especially of interest income. The Bank should maintain a good interest rate deposits or loans that compete with other banks so that customers layalitas can be awake. Loan to deposit ratio (LDR) is the ratio of total loans to deposits. On the other hand, the bank must provide a minimum capital adequacy to protect the assets that contain or produce risk. Banks need to control the problem loans and capital controls are appropriate to minimize losses and increase profits of the bank. The purpose of this study were (1) analyze the development of Non-Performing Loans, Capital Adequacy Ratio, Loan to Deposit Ratio, the interest rate margin and net interest margin, (2) to analyze the effect of NPL, CAR, LDR, and margin interest rates to NIM, ( 3) Estimated NPL data, CAR, LDR, margin interest and NIM in the future. Data that used in this research is secondary data. The analytical method used in this study is classical assumption of regression, multiple linear regression analysis, F test, and forecasting with ARIMA method. The results obtained are: (1) During the years 2002 to 2007, the NPL is relatively increased. CAR steadily declining until the year 2008 and increased again in the year 2009. Relatively LDR was increased, the margin interest rate increased in 2002 until 2004, then declined until 2006. Margin interest rates climbed back up to the year 2009. NIM relative increase since first quarter 2002 to fourth quarter 2009, (2) NPL, CAR, LDR, margin interest rates simultaneously affect the NIM at 75.3% while 24.7% are influenced by factors outside the study. (3) Forecasting using ARIMA method produces a relatively increased NPLs, which is relatively decreased CAR, LDR relative decline, margin interest rates relative to increase and NIM is relatively increased. Managerial implications associated with the financing, banks need to increase lending to be vigilant in the community by improving credit monitoring intensively. Providing capital to bear risk assets, keeping bank liquidity remained at a safe position, is also concerned about interest rate movements that occurred in Indonesia to improve competitiveness and customer loyalty. Importance of risk management to manage risks that might arise from banking activities and minimize the losses that might occur in the future.
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Judul: Analisis Pengaruh Beban Operasional Pendapatan Operasional (BOPO), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR) terhadap Net Interest Margin (NIM), Studi Kasus PT Bank Muamalat Indonesia Tbk.
Abstrak: Semakin banyaknya jumlah bank Syariah di Indonesia, maka semakin memudahkan masyarakat Indonesia menikmati layanan perbankan syariah baik untuk menabung atau untuk mengajukan pembiayaan. Bank Muamalat merupakan bank syariah pertama yang berdiri di Indonesia. Salah satu kegiatan yang dilakukan PT. Bank Muamalat Indonesia, Tbk adalah melakukan penghimpunan dana penyaluran dana. Penyaluran dana dilakukan dengan pemberian pembiayaan. Adanya pemberian pembiayaan kepada masyarakat berpotensi menyebabkan adanya pembiayaan bermasalah. NPL merupakan salah satu indikator pembiayaan bermasalah, sedangkan CAR merupakan kewajiban cadangan modal minimum. Untuk memperoleh laba bank harus memperhatikan efisiensi dari beban operasionalnya, hal ini ditunjukkan dengan BOPO. Sedangkan LDR menunjukkan rasio antara kredit yang diberikan dengan dana yang diterima. Data yang digunakan dalam penelitian ini adalah data sekunder yang didapat dari data laporan keuangan tahun 2001 sampai dengan tahun 2010. Serta rasio keuangan triwulan dari tahun 2001 sampai dengan tahun 2010. Analisis yang digunakan pada penelitian ini analisis regresi linear berganda dengan alat pengolah data SPSS 15.0. Hasil penelitian menunjukkan bahwa : (1) variabel BOPO berpengaruh negatif terhadap NIM dengan koefisien 0,113. Hali ini dapat diinterpretasikan bahwa setiap perubahan sebesar satu satuan pada BOPO sementara variabel independen lain diasumsikan tetap, maka NIM akan menurun sebesar 0,113. (2) Rasio Non Performimg Loan (NPL) berpengaruh negatif terhadap NIM dengan koefisien 0,014. Hal ini berarti setiap perubahan sebesar satu satuan pada NPL sementara variable independen lain diasumsikan tetap, maka NIM akan menurun sebesar 0,014. (3) Ratio (LDR) berpengaruh positif terhadap NIM. CAR mempunyai koefisien 0,021 yang berarti setiap perubahan sebesar satu satuan pada CAR sementara variable independen lain diasumsikan tetap, maka NIM akan meningkat sebesar 0,021. (4) LDR berpengaruh positif terhadap NIM dengan koefisien sebesar 0,044, hal ini berarti setiap perubahan sebesar satu satuan pada LDR sementara variabel independen lain diasumsikan tetap, maka NIM akan meningkat sebesar 0,014. Model ini memiliki koefisien determinasi (R2) sebesar 51,6 persen yang artinya keragaman dari NIM, 51,6 persen dipengaruhi oleh BOPO, NPL, CAR dan LDR dan sisanya sebesar 48,4 persen dipengaruhi oleh faktor lain diluar penelitian.
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Judul: Elektrodeposisi Film Tipis Semikonduktor Cu2ZnSnS4 (CZTS) pada Substrat Kaca ITO
Abstrak: Semiconductor Cu2ZnSnS4 (CZTS) thin film that can be used as absorber layers on solar cell module was made via electrodeposition method. CZTS thin film was electrodeposited on the surface of a silicate glass coated with a thin layer of indium tin oxide (ITO). Deposition process was done using potentiostatic mode at room temperature with a potential of 1.05 V for 30, 45, and 60 minutes, followed with annealing the film at 2 different temperatures, 500 ºC using furnace and 180 ºC using hot plate, both treatments for 45 minutes in N2/H2S atmosphere. The X-ray difractograms were analyzed using Match 2 program and showed that the CZTS thin films had kesterit crystalline structure, with a low percentage of CZTS phase. The thin film also contained secondary phases such as Cu2S, ZnS, and SnS. The obtained CZTS thin films had a thickness between 1.039 and 1.676 μm. Absorption study showed that the band gap energy of CZTS thin films which was annealed using furnace ranged from 1.50 to 1.52 eV, whereas that annealed using the hot plate was not observed. The band gap energy value showed that CZTS thin films can be used as sunlight absorber layers on solar cell. The formation of CZTS crystal film on this investigation was effectively performed using furnace annealing process at a temperature of 500 ºC with deposition time of 45 minutes.
Keyword: Thin film, Electrodeposition, Cu2ZnSnS4