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The Influence Of Loan To Deposit Ratio (LDR) And Non Performing Loan (NPL) Towards Return On Assets (ROA) On PT BPD Papua Period 2008-2017

Tugas Akhir, 013 / 2018 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2019-07-23 09:07:50
Oleh : Januar Tri Ramadhan - 155121014 ( januarramadhann@gmail.com)
Dibuat : 2019-07-22, dengan 4 file

Keyword : Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan return on Assets (ROA).
Subjek : Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan return on Assets (ROA).

Bank Pembangunan Daerah (BPD) merupakan bank yang sebagian atau seluruh sahamnya dimiliki oleh pemerintah daerah, ketentuan dan kinerjanya telah diatur oleh UU No.13/1962. PT. BPD Papua merupakan salah satu dari BPD di Indonesia yang memiliki permasalahan serius mengenai penyaluran kredit dan pengembalian kredit sehingga mempengaruhi profitabilitas. Penelitian ini bertujuan untuk mengetahui pengaruh dari variabel Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) terhadap Return On Assets (ROA) pada PT. BPD Papua periode 2008-2017. Teknik analisis yang digunakan adalah regresi linear berganda. Pengumpulan data dalam penelitian ini menggunakan metode purposive sampling. Selama periode pengamatan menunjukkan bahwa data penelitian berdistribusi normal, Hal ini menunjukkan bahwa data yang tersedia telah memenuhi syarat untuk menggunakan model persamaan regresi linier berganda. Hasil penelitian secara parsial menunjukkan bahwa variabel Loan to Deposit Ratio (LDR) terdapat pengaruh negatif dan tidak signifikan terhadap Return on Assets (ROA), Non Performing Loan (NPL) berpengaruh negatif dan signifikan terhadap Return on Assets (ROA). Sedangkan secara simultan Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) berpengaruh terhadap Return on Assets (ROA) pada PT. BPD Papua Periode 2008-2017. Kata Kunci: Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan return on Assets (ROA)

Deskripsi Alternatif :

Bank Pembangunan Daerah (BPD) is the bank that some or all of it’s stock owned by local governments, provision and its performance has been governed by UU No. 13/1962. PT. BPD Papua is one of BPD in Indonesia which has serious problems regarding the distribution of credit and repayment of the credit so that affect profitability. This research aims to know the influence of variable Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) against the Return On Assets (ROA) on PT. BPD Papua in the period 2008-2017. Analytical techniques used was multiple linear regression. The data in this study using the method of purposive sampling. During research period show as data research was normally distributed, its indicate that the available data has fulfill the condition to use multi linier regression model. The result of this research indicates that partially Loan to Deposit Ratio (LDR) there are negative influences and significant against Return on Assets (ROA). While Non Performing Loan (NPL) there are are negative and significant influence againts Return on Assets (ROA). Simultaneously Loan to Deposit Ratio and Non Performing Loan (NPL) had influence towards Return on Assets on PT. BPD Papua period 2008-2017. Keyword: Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), and return on Assets (ROA).

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