Artikel Ilmiah : C1B012120 a.n. MATSNA RAHMAWATI
| NIM | C1B012120 |
|---|---|
| Namamhs | MATSNA RAHMAWATI |
| Judul Artikel | ANALISIS PENGARUH KREDIT BERMASALAH, LIKUIDITAS, EFISIENSI, KECUKUPAN MODAL , PROFITABILITAS, DAN FINANCIAL LEVERAGE TERHADAP KONDISI FINANCIAL DISTRESS BANK PERKREDITAN RAKYAT (Studi Pada Bank Perkreditan Rakyat Wilayah Kerja OJK Regional Jawa Tengah) |
| Abstrak (Bhs. Indonesia) | Penelitian ini merupakan penelitian studi empiris yang dilakukan pada Bank Perkreditan Rakyat (BPR) Regional Jawa Tengah. Penelitian ini mengambil judul: “Analisis Pengaruh Kredit Bermasalah, Likuiditas, Efisiensi, Kecukupan Modal, Profitabilitas, Dan Financial Leverage Terhadap Kondisi Financial Distress Bank Perkreditan Rakyat”. Tujuan penelitian adalah untuk mengetahui pengaruh variabel Non Performing Loan, Loan to Deposit Ratio, Biaya Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio, Return On Asset, Current Liabilities to Total Asset terhadap variabel dependen yaitu financial distress pada Bank Perkreditan Rakyat regional Jawa Tengah. Populasi dalam penelitian ini adalah BPR Regional Jawa Tengah yang tercatat di Otoritas Jasa Keuangan (OJK) pada periode tahun 2012-2014. Purposive sampling method digunakan untuk menentukan sampel yang akan digunakan pada penelitian ini. Setelah purposive sampling, hanya ada 70 BPR dari total 254 BPR yang terdaftar di Otoritas Jasa Keuangan Regional Jawa Tengah, yang memenuhi kriteria untuk dijadikan sampel. Berdasarkan hasil penelitian dan analisis data dengan menggunakan Regresi Logistik diketahui bahwa: (1) Non Performing Loan (NPL) berpengaruh negatif tidak signifikan terhadap Financial distress BPR (2) Loan to Deposit Ratio (LDR) berpengaruh negatif tidak signifikan terhadap Financial distress BPR (3) Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh negatif tidak signifikan terhadap Financial distress BPR (4) Capital Adequacy Ratio (CAR) berpengaruh negatif signifikan terhadap Financial distress BPR (5) Return On Asset (ROA) berpengaruh positif signifikan terhadap Financial distress BPR (6) Current Liabilities to Total Asset (CLTA) berpengaruh negatif signifikan terhadap Financial distress BPR. Implikasi dari kesimpulan di atas yaitu Manejemen perbankan dalam memprediksikan kondisi financial distress dapat dilihat dari variabel kecukupan modal, profitabilitas, dan financial leverage yang secara signifikan mampu memprediksi financial distress. |
| Abtrak (Bhs. Inggris) | This research is an empirical study on the regional rural banks in Central Java. The tittle of this research is "Analysis of Non Performing Loans, Liquidity, Efficiency, Capital Adequacy, Profitability, and Financial Leverage to Financial Distress Condition of Rural Bank (BPR) ". This research goal is to determine the effect of variable such as Non Performing Loan, Loan to Deposit Ratio, Operating Expenses to Operating Income, Capital Adequacy Ratio, Return on Assets, Current Liabilities to Total Assets to the dependent variable financial distress in the regional rural banks in Central Java. The population in this study is BPR of Central Java’s Region recorded in the Financial Services Authority (OJK) on 2012-2014 period. Purposive sampling method is used to determine the samples in this study. After purposive sampling, only 70 BPR of the total 254 BPR listed in the Financial Services Authority (OJK) in Central Java’s Region, which the qualified as a sample. Based on the results of this research and data analysis using logistic regression show that: (1) Non-performing loans (NPL) has negative significant effect to the Financial distress in BPR (2) Loan to Deposit Ratio (LDR) has negative significant effect to the Financial distress in BPR (3) Operating Expenses to Operating Income (ROA) has negative significant effect to the Financial distress in BPR (4) Capital Adequacy Ratio (CAR) has negative significant effect to the Financial distress Credit in BPR (5) Return on Assets (ROA) has positive significant effect to the Financial distress in BPR (6) Current Liabilities to Total Assets (CLTA) has negative significant effect to the Financial distress in BPR The implications of the conclusion is that management of banks in financial distress predicting should be able to see the variable such as capital adequacy, profitability, and financial leverage were significantly to predict financial distress. |
| Kata kunci | financial distress, NPL, LDR, BOPO, CAR, ROA, dan CLTA |
| Pembimbing 1 | Drs. Tohir MM |
| Pembimbing 2 | Sri Lestari SE.,MSi |
| Pembimbing 3 | |
| Tahun | 2016 |
| Jumlah Halaman | 26 |
| Tgl. Entri | 2016-04-27 16:07:37.826106 |