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Analisis Faktor-Faktor Yang Mempengaruhi Likuiditas Pada Bank Perkreditan Rakyat (BPR) Konvensional Di Jawa Barat Periode 2010-2014

Analysis of Factors Affecting Liquidity Conventional Rural Bank in West Java Period 2010-2014

Tugas Akhir, 080 / 2015 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2018-06-29 09:51:12
Oleh : Risda Rosyidah - 125121029 (rosyidahrisda@gmail.com)
Dibuat : 2018-06-29, dengan 4 file

Keyword : Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Return On Assets (ROA)
Subjek : Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Expenses to Operating Income Ratio (BOPO), and Return On Assets (ROA)

Bank Perkreditan Rakyat ditujukan untuk mendorong pembangunan sektor Usaha Mikro, Kecil, dan Menengah (UMKM) dengan memberikan akses finansial kepada mereka. Likuiditas erat kaitannya dengan kepercayaan masyarakat. Maka likuiditas bank harus dijaga untuk terhindar dari likuidasi bank sehingga BPR tetap dapat menjalankan usahanya dan mencapai tujuannya untuk mendorong pembangunan UMKM. Penelitian ini bertujuan untuk mengalanalisis faktor-faktor yang mempegaruhi Loan to Deposit Ratio (LDR) BPR konvensional di Jawa Barat periode 2010-2014. Faktor yang dianalisis adalah Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Return On Assets (ROA). Data yang digunakan dalam penelitian ini adalah BPR konvensional di Jawa Barat. Dengan metode puposive sampling, diambil sampel BPR konvensional di Jawa Barat selama lima tahun yaitu periode 2010-2014. Teknik analisis yang digunakan adalah regresi linier berganda. Uji hipotesis menggunakan uji t untuk menguji koefisien regresi secara parsial, serta uji F untuk meguji pengaruh secara simultan dengan level 5%. Selain itu juga dilakukan uji asumsi klasik yang meliputi uji normalitas, uji multikolinearitas, uji heteroskedastisitas, dan uji autokorelasi. Dari hasil pengujian yang dilakukan dalam penelitian ini didapat hasil bahwa secara parsial variabel CAR berpengaruh signifikan terhadap LDR, variabel NPL tidak berpengaruh signifikan terhadap LDR, variabel BOPO berpengaruh signifikan terhadap LDR, dan variabel ROA berpengaruh signifikan terhadap LDR. Sedangkan hasil pengujian secara simultan diperoleh hasil bahwa variabel independen CAR, NPL, BOPO, ROA berpengaruh signifikan terhadap variabel dependen LDR. Nilai Adjusted R Square sebesar 0,252, hal ini berarti 25,2% variasi LDR dapat dijelaskan oleh keempat variabel CAR, NPL, BOPO, dan ROA, sedangkan sisanya sebesar 74,8% dijelaskan oleh faktor-faktor lain diluar penelitian. Kata kunci: Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Return On Assets (ROA).

Deskripsi Alternatif :

Rural Bank is intended to encourage the development of Micro, Small and Medium Enterprises by providing financial access to them. Liquidity is having close relation with public trust. The bank's liquidity must be maintained to avoid the liquidation of the bank so that Rural Bank can still conduct its business and achieve the goals to encourage the development of SMEs. The purpose of this research is to analyze the factors that influence bank’s Loan to Deposit Ratio (LDR) of Rural Bank in West Java period 2010-2014 such as Capital Adequacy Ratio (CAR), Return On Assets (ROA), Non Performing Loan (NPL), and Operating Expenses to Operating Income Ratio (BOPO). Population data used in this research was conventional Rural Bank in West Java. Sampling method that was used in this research is puposive sampling. Sample of this research was use financial report consolidation for five years (2010-2014). Analytic techniqe used in this research was multiple linear regression. Hypothesis test were using t test to analyze partial regression coefficient, and also F test to analyze simultan influence with significance level of 5%. Beside that classical assumption test which consist of normality test, multicolinerity test, heteroscedasticity test, and autocorrelation test. The result of this research can be aknowledge that from partial test showed that t value CAR has significant influence toward LDR. For NPL has insignificant influence toward LDR. For BOPO has significant influence toward LDR, and for ROA has significant influence toward LDR. And from simultantly test showed that independent variables such as CAR, ROA, NPL and BOPO simultantly influence the dependent variables, LDR. The result Adjusted R square value is about 0,252 which means 25,2% LDR variation can be explained by the variation of four independent variables which are CAR, NPL, BOPO and ROA, whereas the remaining 74,8% can be explained by other variables out of this model. Keywords: Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Expenses to Operating Income Ratio (BOPO), and Return On Assets (ROA).

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PropertiNilai Properti
ID PublisherJBPTPPOLBAN
Organisasi
Nama KontakHelmi Purwanti
AlamatJl. Trsn. Gegerkalong Hilir Ds. Ciwaruga
KotaBandung
DaerahJawa Barat
NegaraIndonesia
Telepon022 201 3789 ext. 168, 169, 239
Fax022 201 3889
E-mail Administratorhelmi.purwanti@polban.ac.id
E-mail CKOhelmi.purwanti@polban.ac.id

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