Path: Top > Tugas Akhir - D3 > Jurusan Akuntansi > Program Studi Keuangan dan Perbankan > 2012

Pengaruh Inflasi, BI Rate dan LDR Terhadap Non Performing Loan Pada Bank Umum Di Indonesia (Studi Kasus Pada Bank BUMN Di Indonesia Periode 2005-2011)

The Influence Of Inflation, Base Interest Rate, And Loan to Deposit Ratio Toward Non Performing Loan On Public Bank In Indonesia (Case Studies On State Bank In Indonesia Period Of 2005-2011)

Tugas Akhir, 001 / 2012 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2014-06-13 14:07:46
Oleh : Aprilia - 095121006 (aprilia0424@yahoo.com)
Dibuat : 2014-06-13, dengan 4 file

Keyword : Non Performing Loan, Inflasi, BI Rate, Loan to Deposit Ratio
Subjek : Non Performing Loan, Inflasi, BI Rate, Loan to Deposit Ratio

Tugas akhir yang penulis susun berjudul Pengaruh Inflasi, BI Rate dan LDR terhadap Non Performing Loan pada Bank Umum di Indonesia (Studi Kasus Pada Bank BUMN di Indonesia periode 2005-2011). Tujuan dalam penyusunan tugas akhir ini adalah mengetahui pengaruh Inflasi, BI Rate, dan LDR terhadap NPL secara simultan maupun parsial pada Bank BUMN di Indonesia periode 2005-2011. Populasi dalam penelitian ini yaitu Bank Umum yang terdiri dari Bank BUMN, Bank Umum Swasta Nasional Devisa, Bank Umum Swasta Nasional Non Devisa, BPD dan Bank Campuran. Adapun teknik pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling. Jumlah sampel yang memenuhi kriteria yaitu Bank BUMN yang terdiri dari Bank Negara Indonesia, Bank Rakyat Indonesia, Bank Tabungan Negara dan Bank Mandiri. Alat analisis yang digunakan untuk menyusun tugas akhir ini yaitu analisis regresi linear berganda dan uji asumsi klasik yang meliputi uji normalitas, uji multikolonieritas, uji auto korelasi dan uji heteroskedastisitas. Dengan menggunakan alat bantu software SPSS 18. Dari hasil pengujian regresi linear berganda diperoleh kesimpulan bahwa besarnya pengaruh inflasi, BI Rate, dan LDR terhadap NPL pada Bank BUMN di Indonesia periode 2005-2011 yaitu sebesar 80,20 %. Secara simultan variabel independen (Inflasi, BI Rate dan LDR) dengan uji F, secara bersama-sama berpengaruh signifikan terhadap variabel dependen (NPL) pada Bank BUMN di Indonesia dengan α = 95 %. Secara parsial dengan menggunakan uji t, variabel Inflasi memiliki pengaruh negatif terhadap variabel NPL. Hal ini disebabkan karena pada saat terjadi kenaikan inflasi, bank lebih berhati-hati dalam proses penyaluran kreditnya, sehingga menurunkan terjadinya NPL ataupun sebaliknya. Variabel BI Rate memiliki pengaruh positif terhadap variabel NPL. Karena BI Rate merupakan suku bunga acuan bagi bank-bank umum sehingga ketika BI Rate naik maka bank umum akan menaikkan suku bunga kreditnya. Dampak dari hal tersebut adalah ketidakmampuan nasabah untuk membayar bunga maupun angsuran, sehingga NPL meningkat. Variabel LDR memiliki pengaruh negatif terhadap variabel NPL. Ketika rasio LDR rendah maka tingkat penyaluran kredit kepada masyarakat pun rendah. Hal tersebut dikarenakan tingkat NPL mengalami kenaikan ataupun sebaliknya. Kata Kunci : Non Performing Loan, Inflasi, BI Rate, Loan to Deposit Ratio

Deskripsi Alternatif :

Final assignment that writer has made is titled "The Influence Of Inflation, Base Interest Rate, And Loan To Deposit Ratio Toward Non Performing Loan On Public Bank In Indonesia (Case Studies On State Bank In Indonesia Period Of 2005-2011)". The purpose of this final assignment is to determine of Inflation, Base Interest Rate, and Loan to deposit Ratio toward Non Performing Loan either simultaneously or partial on State Bank in Indonesia period of 2005-2011. Population in this research they were public bank consisting of state bank, national private, commercial bank foreign exchange national private public bank, non foreign exchange, BPD, and bank mixture. The technique of the sample in this research is purposive sampling. The number of sample meet criteria : state banks consisting of Bank Negara Indonesia, Bank Rakyat Indonesia, Bank Tabungan Negara and Bank Mandiri. The tool of analysis used to compile this final assignment is multiple linier regression analysis and also classical assumption tests such as normality test, multicolinierity test, autocorrelation test, and heteroscedasticity test. By using a software tool SPSS 18. The result of multiple linier regression analysis, shows the influence of inflation, base interest rate and loan to deposit ratio toward non performing loan on state bank in Indonesio period of 2005-2011 is 80,20 %. The result of the research simultantly using F test, shows that independent variable (Inflation, Base Interest Rate, and Loan to Deposit Ratio) influence significantly towards Non Performing Loan on State Bank in Indonesia with α = 95%. Partially variables used t test, inflation rate toward non performing loan with negative. This is because whwn inflation high, bank more careful in lending credits to debitor, so as to lower the occurance of non performing loan or the opposite. Base Interest rate toward non performing loan with positive. Because the base interest rate is benchmark interest rate for public banks whwn the base interest rate rise then public banks will raise up interest rate for credit. The impact of that is inability debitor to pay interest or installment credit, so non performing loan is rise. Loan to deposit ratio toward non performing loan with negative. When the loan to deposit ratio low ang the level of lending credit to resident are low. It was because the level of non performing loan increased or the opposite. Keyword: Non Performing Loan, Inflasi, BI Rate, Loan to Deposit Ratio

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