ANALISIS PENGARUH AKTIVA, DANA PIHAK KETIGA DAN KREDIT TERHADAP PROFITABILITAS BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE TAHUN 2009 - 2014

Abstract

The purpose of this research is to find out the relationship between total asset, third-party funds and credit to banking profitability especially Regional Development Bank in Indonesia. Regional Development Bank serve as a research center for the uniqueness of its operatios. Usually, Regional Development Bank only operated in their province area, not in all province throughout the country, so they have a limited compare to other types of bank in Indonesia. In the theoritical framework, we find out that total asset and credit have a positive relationship to profitability while third-party funds in the other way. By using 2009 - 2014 time spam, we come into conclusion that all variables have a relationship to banking profitability simultaneously. Total asset has a positive and significant relationship while third-funds has a negative and significant relationship to bank profitability. Credit variable has a negative relationship but not significant to bank profitability. Key Words: Profitabilitas, Bank Pembangunan Daerah, Panel Data, Fixed Effect Model