PENGARUH LOAN TO DEPOSIT RATIO (ldr), BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (bopo), dan NON PERFORMING LOAN (npl) TERHADAP PROFITABILITAS BANK PERKREDITAN RAKYAT DI KABUPATEN SIDOARJO

Lusy, Lusy and Inggawati, V. Ratna (2018) PENGARUH LOAN TO DEPOSIT RATIO (ldr), BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (bopo), dan NON PERFORMING LOAN (npl) TERHADAP PROFITABILITAS BANK PERKREDITAN RAKYAT DI KABUPATEN SIDOARJO. In: The 1st APTIK Intemasional Conference On Poverty And Environment: "Resilience In Poverty Alleviation And Environmental Mitigation", 21-23 September 2018, Yogyakarta. (Unpublished)

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Abstract

The purpose of the present research was to examine the effects of loan-to-deposit ratio (LDR), operating efficiency ratio (OER), and non-performing loan (NPL) on rural banks’ profitability in Sidoarjo Regency. The present study was quantitative research, with samples of 54 BPR (bank perkreditan rakyat or rural bank) in the period of 2016. Multiple Regression Analysis is applied to verify this research framework. Results showed that 1) OER had a significant negative effect on ROA; 2) LDR had a significant negative effect on ROA; and 3) NPL had no significant negative effect on ROA. The coefficient of LDR is negative, indicating that any increase in LDR will decrease the ROA value. LDR has a negative effect on ROA due to cost inefficiency or a high NPL The third hypothesis is rejected since the loan risks generated by BPR are quite stable, not to disrupt the value of the company’s profitability. Also, BPR obtains additional significant revenues from penalties on late repayments. The present study may contribute to other researchers and also banking policy makers with regard to developing strategies useful for both communities enjoying credit facilities and the stakeholders of BPRs.

Item Type: Conference or Workshop Item (Paper)
Uncontrolled Keywords: loan-to-deposit ratio, operating efficiency ratio, non-performing loan
Subjects: H Social Sciences > HF Commerce
H Social Sciences > HG Finance
H Social Sciences > HJ Public Finance
Divisions: Fakultas Ekonomi > Prodi Akuntansi
Depositing User: Lusy Lusy
Date Deposited: 14 Nov 2022 09:53
Last Modified: 14 Nov 2022 10:14
URI: http://repositori.ukdc.ac.id/id/eprint/1220

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