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SEPTIONO BUDI SANTOSA
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ANALISIS PENGARUH LDR, BOPO, SIZE, LAR DAN NIM TERHADAP NON PERFORMING LOAN
Abstrak (Bhs. Indonesia)
Tujuan penelitian ini adalah untuk menganalisis pengaruh Loan to Deposit Ratio (LDR), Rasio Biaya Operasional Pendapatan Operasional (BOPO), Size, Loan to Assets Ratio (LAR) dan Net Interest Margin (NIM) terhadap Non Performing Loan (NPL). Sampel dari penelitian ini adalah 70 Bank Perkreditan Rakyat Konvensional di Wilayah Jawa Tengah dari tahun 2010 sampai 2012 yang dipilih dengan menggunakan teknik purposive sampling. Untuk membuktikan hipotesis, penelitian ini menggunakan model analisis regresi linier berganda dan model fixed effect. Hasil penelitian menunjukkan bahwa Rasio Biaya Operasional Pendapatan Operasional dan Size berpengaruh signifikan terhadap Non Performing Loan (NPL), sedangkan Loan to Deposit Ratio (LDR), Loan to Assets Ratio (LAR), dan Net Interest Margin (NIM) tidak berpengaruh signifikan terhadap Non Performing Loan (NPL).
Abtrak (Bhs. Inggris)
The purpose of this research was to analyze influence of Loan to Deposit Ratio (LDR), Operational Efficiency (BOPO), Size, Loan to Assets Ratio (LAR) and Net Interest Margin (NIM) towards Non Performng Loan (NPL). The sample of this research were 70 respondents of Conventional Rural Banks (Bank Perkreditan Rakyat) in Jawa Tengah region during 2010 until 2012, they were selected using purposive sampling technique. To prove the hypothesis, this research is applied Multivariate Linear Regression Model and use fixed effect model. The result of this research shows that Operational Efficiency (BOPO) and Size had significant influence on Non Performing Loan (NPL), while Loan to Deposits Ratio (LDR), Loan to Assets Ratio (LAR) and Net Interest Margin (NIM) had no significant influence on Non Performing Loan (NPL).
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