SKRIPSI PBS
PENGARUH KEBIJAKAN SPIN OFF DAN KONVERSI TERHADAP TINGKAT EFISIENSI DI PT. BTPN SYARIAH DAN PT. BANK NTB SYARIAH
ABSTRACT
This study aims to determine the variable Dummy spin off, the Return on Assets
ratio (ROA), and the Financing to deposit Ratio (FDR) to the level of efficiency of PT.
Sharia BTPN and PT. Sharia NTB Bank.
This research used quantitative method. The sampling technique in this study
used judgment sampling. The samples used 44 samples that divided into 3 years before
the spin off and 3 years after the spin off. The data analysis of study used Multiple
Linear Regression Panel Data Analysis. The hypothesis testing used t-test to examine
the partial regression coefficient and f-statistic. In addition, it was conducted the
classical assumption test, namely normality test, multicollinearity test, autocorrelation
test, and heteroscedasticity test.
From this research, it can be concluded that based on the Dummy spin off
statistical test, the ROA ratio, and the FDR ratio (simultaneous test-F test) have an
effect on the efficiency level of PT Sharia BTPN and PT Sharia Bank NTB. Based on
the t-test, the variable Dummy spin off (X1) has no effect on the efficiency level of PT.
Sharia BTPN and PT. Sharia Bank NTB (Y), the ROA ratio variable (X2) has a
significant negative effect and the FDR ratio (X3) has a significant positive effect.
Keywords : Dummy Spin off, ROA, FDR, PT. Sharia BTPN, and PT. Sharia NTB Bank
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