Pengaruh Loan to Deposit Ratio, Capital Adequacy Ratio, dan Gross Domestic Product Terhadap Non Performing Loan Pada Bank Pembangunan Daerah di Indonesia periode 2013-2014

Abstract

ABSTRAK

PENGARUH LOAN TO DEPOSIT RATIO, CAPITAL ADEQUACY RATIO, DAN GROSS DOMESTIC PRODUCT TERHADAP NON PERFORMING LOAN PADA BANK PEMBANGUNAN DAERAH DI INDONESIA

PERIODE 2013-2014

Bank sebagai lembaga intermediasi pihak surplus dan deficit berperan penting terhadap pembangunan suatu negara. Bank pembangunan daerah (BPD) merupakan kelompok bank yang paling efisien dari sisi profit maupun biaya maka memerlukan analisis mendalam terhadap faktor-faktor yang mempengaruhi non performing loan. Penelitian ini bertujuan untuk mengetahui pengaruh LDR, CAR dan GDP terhadap NPL pada BPD di Indonesia periode 2013-2014. Sampel didapat dari 26BPD yang terdaftar di Bank Indonesia pada tahun 2013-2014.

Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio dan Gross Domestic Product berpengaruh secara negatif terhadap Non Performing Loan. Sedangkan, Loan to Deposit Ratiotidak berpengaruh negatif terhadap Non Performing Loankarena bank dalam mengalokasikan kreditnya lebih selektif dalam menilik kualitas debitur dengan menggunakan kriteria 5C (Character, Capacity, Capital, Collateral, dan Condition) sehingga dapat menurunkan Non Performing Loan.

Kata kunci: Non Performing Loan, Capital Adequacy Ratio, Loan to Deposit Ratio, Gross Domestic Product, Bank pembangunan daerah (BPD).

ABSTRACT

THE INFLUENCE OF LOAN TO DEPOSIT RATIO, CAPITAL ADEQUACY RATIO, AND GROSS DOMESTIC PRODUCT FOR NON PERFORMING LOAN BPD BANKS IN INDONESIA PERIOD 2013-2014

Bank is an intermediary institutions that surplus and deficit is vital to the development of a country. Bank Pembangunan Daerah (BPD) is a group of the most efficient banks in terms of profit and the cost it requires a thorough analysis of the factors influencingthe Non Performing Loan. This study aimed to examine the impact of Loan to Deposit Ratio, Capital Adequacy Ratio, and Gross Domestic Product for Non Performing Loan BPD banks in Indonesia period 2013-2014.This study used 26Bank Pembangunan Daerah (BPD) in Indonesia as sample and analysis period 2013-2014.

The results showed that Capital Adequacy Ratio and Gross Domestic Productnegatively significant for Non Performing Loan BPD banks. HoweverLoan to Deposit Ratio did not significantly affect to Non Performing Loan because banks to allocate credit more selective in view the quality of debtors by using criteria 5C (Character, Capacity, Capital, Collateral, and Condition) so as to reduce the Non Performing Loan.

Keywords:Non Performing Loan, Capital Adequacy Ratio, Loan to Deposit Ratio, Gross Domestic Product, Bank pembangunan daerah (BPD).