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ANALISIS FAKTOR-FAKTOR PENENTU PROFITABILITAS BANK BPD (Studi Kasus pada Bank BPD di Indonesia Tahun 2006 – 2011)

Murdiyanto, Agus ANALISIS FAKTOR-FAKTOR PENENTU PROFITABILITAS BANK BPD (Studi Kasus pada Bank BPD di Indonesia Tahun 2006 – 2011). Forum Ilmiah.

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Economic growth in Indonesia is quite high during the period 2009-2013 at an average of 5.9 % per year require banking institutions as the heart of the economy , the banks have to grow strong and healthy in order to support the sustainability of development . No exception has launched BPD Regional Champion ( BRC ) as the embodiment eifisiensi towards growth . However, the improved performance of banks has not been accompanied by a real contribution to national economic development because there are parts of the banking assets of unproductive macro perspective in the form of excess liquidity and monetary instruments are placed in state securities ( SBN ) . On the other hand banks are still considered wasteful in financing resulting in setting lending rates to be expensive , in the end lead to lower economic competitiveness . Based on these descriptions , the writer analyzed the determinants of profitability BPD in Indonesia. The purpose of this study to analyze Effect of DPK , CAR , NPL , ROA and LDR on ROA. from case studies on BPD in Indonesia in 2006-2011 . The data used are secondary data from Bank Indonesia . Observations were made for 72 months . Methods of data analysis using SPSS by taking into account multiple regression , goodness of fit test , F test and t test . Test results obtained regression coefficient -0.007 X1 , X2 0.095 , 0.715 X3 , X4 and X5 0.049 -0.048 all significant on ROA . Results Adjusted R Square of 0.54 .means 54% of the variation could be explained ROA five independent variables . Test results obtained for 17 498 F calculated with significance 0.000 , so it can be concluded that the regression model feasible to predict the dependent variable ROA or collectively - the same independent variables affect the dependent Variable ROA.

Item Type: Article
Subjects: H Social Sciences > HG Finance
Faculty / Institution: Fakultas Ekonomika dan Bisnis
Depositing User: Fakultas Ekonomi
Date Deposited: 17 Nov 2015 06:31
Last Modified: 17 Nov 2015 06:31
URI: https://eprints.unisbank.ac.id/id/eprint/3104

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