The Effect Of CAR, NPL & LDR On The Profit Improvement Of Regional Development Bank In Indonesia By Using Credit Growth As Intervening Variable (Research on Regional Development Banks in Java, Bali & NTT) Period 2011 – 2015

  • Ririn Poerwanti STIE Perbanas, Surabaya
  • Titis Puspitaningrum Dewi Kartika STIE Perbanas, Surabaya

Abstract

Purpose: This study aimed to analyze the effect of CAR, NPL, and LDR on credit growth in the 8 (eight) Regional Development Bank in Indonesia, especially in Java, Bali & NTT in the period 2011-2015.

Design/methodology/approach: The samples used were taken using census method which includes the entire population..

Findings: Partial test result indicate that CAR is negative and significant effect on credit growth as well as a significantly positive effect on earning growth. NPL ratio partially no significant effect on credit growth but significant effect on earning growth.  

Research limitations/implications: LDR no significant effect on credit growth but significantly and positively affect profit growth while existing credit growth is able to mediate the perpetually perfect (perfect mediation) between CAR, NPL and LDR on regional development bank profit growth in Java, Bali and NTT in the period 2011 to 2015.

Practical implications: 2.  The financial ratios assessed from the CAR, NPL and LDR before involving intervening variables of credit growth significantly affected the increase in profit at Regional Development Banks in Java, Bali and NTT as evidenced by simultaneous test results with P-value of F or significance of 0.019 <a '(5%).

Originality/value: The ratio of CAR, NPL and LDR significantly affects credit growth in Regional Development Banks in Java, Bali and NTT through simultaneous testing with P value of F or a significance level of 0.004 <a '(5%). 

Paper type: Research paper

Downloads

Download data is not yet available.

References

Aini (2006), Analisis Pengaruh CAR, LDR, ROA, dan Besaran Perusahaan trhadap Perubahan Laba Perusahaan perbankan yang Terdaftar di BEJ
Dendawijaya, Lukman. 2009. Manajemen Perbankan Edisi Kedua. Ghalia Indonesia : Jakarta
Dwi Lestari, 2011, Rasio Keuangan Bank Terhadap Peningkatan Laba Bank Devisa yang Terdaftar di Bursa Efek.
Eddy Herjanto 2012, “Faktor-Faktor yang berpengaruh Terhadap Profitabilitas Bank”.
Hesti Werdaningtyas, 2002 “Faktor yang Mempengaruhi Profitabilitas Bank Take Over Pramerger di Indonesia, Jurnal Manajemen Indonesia. Vol 1, no. 2, pp. 24 – 39.
Ida Bagus & Putu K, 2018. “ The Influence of Internal & External Factors With Risk Factors as Mediation Variables to Financial Performance of Regional Development Bank in Indonesia”.
Kumbirai, 2010. “Afinancial Ratio Analysis of Commercial Bank Performance in South Africa, Journal for Economics and Finance”.
Muhammad Sarifudin, 2005. “Faktor-faktor yang Mempengaruhi Laba pada Perusahaan Perbankan yang Listed di BEJ Periode 2000 s/d 2002”.
Noni Nuraini, 2016. “ Pengaruh Perubahan ROA, BOPO, NPM & LDR Terhadap Perubahan Laba”.
Pelo, 2012.”Faktor-faktor yang berpengaruh Terhadap Profitabitas Bank yang Terdapat di Bursa Efek”.
Prastiono,2009. Analisis Pengaruh CAR, NPL, BOPO, NIM dan LDR Terhadap Pertumbuhan Laba Pada Bak Umum Di BEI Tahun 2004-2007. Pustaka Univ. Diponegoro. Dipublikasikan
Rahman, Teddy (2009), Analisisi Pengaruh CAR, BOPO, NPL, NIM dan LDR Terhadap Perubahan Laba.
Prayudi, Arditya. 2011 Pengaruh Capital Adequacy Ratio (CAR, Non Performing Loan (NPL), BOPO, Return On Asset (ROA) dan Net Interest Margin (NIM) Terhadap Loan to Deposit Ratio (LDR). Tesis Program. Studi Magister Manajement Program Pascasarjana Universitas Diponegoro, Dipublikasikan
Alisjahbana, S. W. et al. (2018) ‘Substitution Local Resources Basalt Stone Scoria Lampung, Indonesia, as a Third Raw Material Aggregate to Increase The Quality of Portland Composite Cement (PCC)’, International Journal of Engineering & Technology, 7(2), pp. 484–490.
Setiawan, M. I. et al. (2018) ‘The Correlations between Airport Sustainability and Indonesian Economic Growth’, in IOP Conference Series: Earth and Environmental Science. IOP Publishing, p. 12089.
Yunianingsih, Yeni (2011). Analisis CAR, BOPO, NPL, NIM dan LDR Terhadap Pertumbuhan Kredit dan Implikasinya Pada Pertumbuhan Laba Bank : Suatu Penelitian Pada Periode 2001 – 2010 : Jakarta
Yuliani, 2007, Hubungan Efisiensi Operasional dengan Kinerja Profitabiltas pada Sector Perbankan yang Go Public di Bursa Efek
Link Website: www.bi.go.id
Riyadi, Slamet. 2006. Banking Assets And Liability Management. Jakarta: Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia
Rini DH, 2016. “ The Influence of The Bank’s Performance Ratio to Profit Growth on Banking Companies in Indonesia”.
Renaldy Syahputra, Andreas & Errin (2014). “Pengaruh Rasio Keuangan Terhadap Pertumbuhan Laba Bank Pembangunan Daerah di Indonesia dengan Pertumbuhan Kredit sebagai Variabel Intervening”.
Santoso, Singgih. 2010. Statistik Multivariat. Jakarta : PT Elex Media Komputindo
Sianturi, 2012. “ Pengaruh Rasio Keuangan ( CAR, LDR, NPL, BOPO & NIM) Terhadap ROA”.
Sustari Alamsyah 2015, “ Pengaruh CAR, NPL, LDR, ROA & NIM Terhadap Pertumbuhan Laba”.
Wisnu Mawardi, 2005. Analisis Faktor-faktor yang Mempengaruhi Kinerja Keuangan Bank Umum di Indonesia. Jurnal Bisnis Strategi. Vol. 14. No. 1, Juli 2005.
Published
2018-03-30
Section
Articles