Pengaruh Pendapatan Garansi Bank Terhadap Laba Operasional

Abstract

Abstract

This research was conducted to determine influence of the bank guarantee revenue to the operating profit at PT Bank BJB Tbk Cabang Utama Bandung Period from January to December 2015. This research used a quantitative method. Data collection techniques used observation and literature study. The writer used Pearson correlations analysis, determination and Regression. The result showed that the correlation between revenue of bank guarantee and operating profit at PT. Bank BJB Tbk Cabang Utama Bandung Period from January to December 2015 had a vey low relationship with level of correlation coefficient as much as 0,189. While the influence of guarantee bank to operating profit was found to be 0,36% and the remaining of 99,64% was influenced by other factors which were not observed by the writer. There were obstacles in this research, such as; incompleteness of supporting document, there was collectability of customers at the time of analysis BI – Checking, as well as the legality of the company that were not updated or a change of leadership. The suggestion for the company is to improve the publishing process faster, in order to increase customer’s confidence so that an application for a bank guarantee will be more and income on bank guarantee will be even greater.

Keywords. bank guarante revenue; operating profit.

Abstrak 

Penelitian ini dilakukan untuk mengetahui pengaruh pendapatan garansi bank terhadap laba operasional pada PT Bank BJB Tbk Cabang Utama Bandung Periode Januari - Desember 2015. Penelitian ini menggunakan metode penelitian kuantitatif, teknik pengumpulan data melalui wawancara, observasi, dan studi kepustakaan. Peneliti menggunakan analisis Pearson, determinasi, dan Regresi Sederhana. Hasil penelitian menunjukkan bahwa keterkaitan pendapatan garansi bank dan laba operasional pada PT Bank BJB Tbk Cabang Utama Bandung mempunyai tingkat hubungan sangat rendah dengan nilai koefisien korelasi sebesar 0,189. Sedangkan besar pengaruh pendapatan garansi bank terhadap laba operasional ditemukan sebesar 0,36% dan sisanya sebesar 99,64% dipengaruhi faktor lainnya yang tidak diteliti oleh penulis. Adapun kendala dalam penelitian ini yaitu ketidaklengkapan dokumen pendukung, terdapat kolektabilitas nasabah pada saat analisis BI – Checking serta legalitas perusahaan yang sudah tidak update atau ada perubahan kepemimpinan. Adapun saran untuk perusahaan yaitu sebaiknya meningkatkan proses penerbitan lebih cepat, agar kepercayaan nasabah meningkat sehingga permintaan untuk penetbitan garansi bank lebih banyak dan pendapatan atas penerbitan garansi bank akan semakin besar.

Kata Kunci. laba operasional; pendapatan garansi bank.