Artikel Ilmiah : C1A011031 a.n. DWI SULISTIONO
| NIM | C1A011031 |
|---|---|
| Namamhs | DWI SULISTIONO |
| Judul Artikel | ANALISIS PENGARUH THIRD PARTY FUND, CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN DAN RETURN ON ASSETS TERHADAP LOAN TO DEPOSIT RATIO PERIODE 2003 – 2013 (STUDI KASUS PADA 10 BANK UMUM TERBESAR DI INDONESIA) |
| Abstrak (Bhs. Indonesia) | Penelitian ini berjudul “Analisis Pengaruh Third Party Fund, Capital Adequacy Ratio, Non Performing Loan dan Return On Assetsterhadap Loan to Deposit Ratio Periode 2003 – 2013 (Studi Kasus Pada 10 Bank Umum Terbesar Di Indonesia)”.Loan to deposit ratio adalah ratio yang menunjukan likuiditas bank dan tingkat kesehatan bank. LDR perbankan di Indonesia dari tahun 2003 sampai dengan 2013 masih dibawah harapan Bank Indonesia dan krisis keuangan global pada tahun 2008 pun menyebabkan LDR perbankan di Indonesia menurun. Tujuan penelitian ini untuk menganalisis faktor - faktor yang mempengaruhi LDR yaitu third party fund, capital adequacy ratio, non performing loan danreturn on assetsserta untuk mengetahui variabel manakah yang paling berpengaruhu terhadap LDR. Alat analisis yang digunakan dalam penelitian ini adalah regresi linier berganda. Penelitian ini menggunakan 10 bank umum dengan total aset terbesar pada tahun 2013. Periode waktu yang digunakan yaitu dari tahun 2003 sampai dengan 2013. Dari hasil analisis menggunakan analisis regresi linier berganda, third party fund berpengaruh positif sebesar 0,18 dan signifikan terhadap loan to deposit ratio. Capital adequacy ratioberpengaruh negatif sebesar -0,191. Non performing loan berpengaruh negatif sebesar -0,024 dan signifikan terhadap loan to deposit ratio. Sedangkan return on assets berpengaruh positif sebesar 0,018 namun tidak signifikan terhadap loan to deposit ratio. Loan to deposit ratio merupakan indikator penting untuk mengatahui likuiditas dan tingkat kesehatan bank. Oleh karna itu, pihak Bank Indonesia dan perbankan di Indonesia harus berupaya meningkatkan LDR agar optimal. Pertumbuhan third party fund dan return on assets serta penurunan capital adequacy ratio dan non performing loan sangat diperlukan dalam memaksimalkan LDR. Kata kunci :loan to deposit ratio, third party fund, capital adequacy ratio, non performing loan, return on assets |
| Abtrak (Bhs. Inggris) | This research, entitled "Analysis of Effect of Third Party Fund, Capital Adequacy Ratio, Non-Performing Loans and Return on Assets against Loan to Deposit Ratio Period 2003 - 2013 (Case Study 10 Largest Commercial Bank Indonesia)". Loan to deposit ratio is a ratio which indicates the liquidity of banks and soundness of banks. LDR in Indonesia from 2003 to 2013 was still below the expectations of Bank Indonesia and the global financial crisis in 2008 also caused LDR in Indonesia decreased. The purpose of this study to analyze factors - factors that affect the LDR are third party funds, capital adequacy ratio, non-performing loans and the return on assets well as to determine which variables are most affect on LDR. The analysis technique used in this research is multiple linear regression. This research used 10 commercial banks with the largest assets in 2013. The time period from 2003 to 2013. From result of analysis using multiple linear regression analysis, third party fund has positive 0,180 and significant effect for loan to deposit ratio. Capital adequacy ratio has negative -0,191 and non-performing loans has negative -0,024 and significant effect for loan to deposit ratio. Return on assets has positive effect 0,018 but not significant for loan to deposit ratio Loan to deposit ratio is an important indicator to know the liquidity and soundness of banks. Bank of Indonesia and commercial bank in Indonesia should be improve the LDR to be optimal. The growth of third party funds and return on assets must be increase and capital adequacy ratio and non-performing loans must be decrease to maximize the LDR. Keywords : loan to deposit ratio, third party fund, capital adequacy ratio, non performing loan, return on assets |
| Kata kunci | loan to deposit ratio, third party fund, capital adequacy ratio, non performing loan, return on assets |
| Pembimbing 1 | Drs. Supadi, M.Si |
| Pembimbing 2 | Kikin Windhani, S.E, M.Ec.Dev |
| Pembimbing 3 | |
| Tahun | 2015 |
| Jumlah Halaman | 22 |
| Tgl. Entri | 2015-04-29 21:55:18.033555 |