ANALISIS PENGARUH JUMLAH KREDIT, LOAN TO ASSET RATIO (LAR), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP NON-PERFORMING LOAN DI PT BANK RAKYAT INDONESIA (PERSERO) Tbk CABANG WONOGIRI TAHUN 2018

Yuan Sasmita Nugraha, Burhanudin AY, Ratna Damayanti

Abstract


This study aims to determine the effect of the amount of credit, LAR, and LDR on Non-Performing Loans at PT Bank Rakyat Indonesia (Persero) Tbk Wonogiri. This study used quantitative research methods. The data sources used in this study are secondary data, namely the financial statements of PT Bank Rakyat Indonesia (Persero) Tbk, the Wonogiri Branch Office in 2018. Data collection methods in this research were documentation and literature studies. This study used classical assumption test techniques, multiple linear regression analysis, and hypothesis testing (t test, f test, coefficient of determination). The results of data analysis are: The amount of credit has a positive and significant affect on the NPL, Loan To Asset Ratio (LAR) has negative and significant affect on the Non-Performing Loan (NPL), Loan To Deposit Ratio (LDR) has positive and significant affect on the Non-Performing Loan (NPL).

Keywords: Amount of Credit, LAR, LDR, NPL.

References


Adisaputra, Iksan. 2012. Analisis Faktor-Faktor Yang Mempengaruhi Non Performing Loan Pada PT. Bank Mandiri (Persero) Tbk. Makassar : Skripsi Jurusan Manajemen Fakultas Ekonomi dan Bisnis, Universitas Hasanuddin.

Dianti, Anin. 2012. Analisi Pengaruh Faktor Internal dan Eksternal Terhadap Terjadinya Non-Performing Loan (Studi Kasus pada Bank Umum Konvensional yang Menyediakan Layanan Kredit Pemilikan Rumah Periode 2008-2011). Semarang : Skripsi Jurusan Ekonomi Manajemen Universitas Diponegoro

Ghozali, Imam. 2009. Aplikasi Analisis Multivariated Dengan Program SPSS. Edisi Cetakan IV. Semarang: Badan Penerbit Universitas Diponegoro.

Hasibuan, Malayu S.P. 2008. Manajemen Dasar, Pengertian, dan Masalah, Edisi Revisi. Jakarta: Bumi Aksara.

Kasmir. 2012. Bank dan Lembaga Keuangan Lainnya. Edisi Revisi. Jakarta: PT Raja grafindo Persada

Riyadi, Selamet. 2006. Banking Assets and Liability Management. Edisi ketiga. Jakarta: Penerbit Fakultas Ekonomi Universitas Indonesia




DOI: http://dx.doi.org/10.29040/jie.v3i02.632

Refbacks

  • There are currently no refbacks.


INDEXED BY :