Penilaian Loan To Deposit Ratio Bank BUMN (Persero) Berdasarkan Rasio Keuangan
DOI:
https://doi.org/10.37385/msej.v3i6.1201Keywords:
CAR, LDR, NIM, NPLAbstract
Industri keuangan berperan sebagai sarana dalam mencari dana yang bersifat jangka panjang, kegiatan menabung oleh perusahaan – perusahaan yang membutuhkan dana dengan cepat. Risiko penutupan bank karena melakukan dampak negatif. Banyak orang menjadi rugi karena tidak ada jaminan untuk deposito dan tabungan pada bank yang ditutup tersebut. Selanjutnya, deposan ingin menarik pada saat yang sama. Hal ini menyebabkan bank mengalami resiko Loan to Deposit Ratio, yang kemudian BLBI (Bantuan Loan to Deposit Ratio Bank Indonesia) diturunkan untuk membantu bank tersebut. Permasalahan yang diangkat dalam penelitian ini adalah bagaimana pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM) secara parsial terhadap Loan to Deposit Ratio Bank BUMN di Indonesia secara parsial dan secara simultan. Analisa data yang digunakan dengan sampel CAR, NPL, NIM dan LDR pada BRI, MANDIRI, BNI, BTN dengan metode regresi linier berganda dengan data model triwulan selama 2016 - 2020. Hasil penelitian menunjukkan bahwa CAR sebesar 2,097, NPL sebesar 2,206 dan NIM sebesar 3,103 parsial terhadap LDR dan nilai simultan sebesar 3,814.
Kata Kunci : CAR, LDR, NIM, NPL
References
Agmeka, F., A, F., Zulfah, & S, L. (2014). Penerapan Pengendalian Kualitas Statistik Sebagai Perangkat Program Penurunan Biaya Pada Proses Produksi di PT. Barata Indonesia Tegal. Prosiding SNST Ke-7 Tahun 2016 Fakultas Teknik Universitas Wahid Hasyim Semarang 7, 1–6.
Amalia, S. et al. (2021). The Impact of Financial Ratio Indicators on Banking Profitability in Indonesia. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(8), 580–588. https://www.researchgate.net/publication/351095873_The_Impact_of_Financial_Ratio_Indicators_on_Banking_Profitability_in_Indonesia
Bilian, F., & Purwanto. (2017). Analisis Pengaruh CAR, NIM, BOPO, dan LDR terhadap Profitabilitas Bank Persero. Faculty of Business, President University, Bekasi, Indonesia, 2(1), 155–168.
A, F., Zulfah, & S, L. (2014). Penerapan Pengendalian Kualitas Statistik Sebagai Perangkat Program Penurunan Biaya Pada Proses Produksi di PT. Barata Indonesia Tegal. Prosiding SNST Ke-7 Tahun 2016 Fakultas Teknik Universitas Wahid Hasyim Semarang 7, 1–6.
Amalia, S. et al. (2021). The Impact of Financial Ratio Indicators on Banking Profitability in Indonesia. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(8), 580–588. https://www.researchgate.net/publication/351095873_The_Impact_of_Financial_Ratio_Indicators_on_Banking_Profitability_in_Indonesia
Bilian, F., & Purwanto. (2017). Analisis Pengaruh CAR, NIM, BOPO, dan LDR terhadap Profitabilitas Bank Persero. Faculty of Business, President University, Bekasi, Indonesia, 2(1), 155–168.
Carindri, F., & Untara. (2019). the Effect of Risk, Profitability, and Liquidity on Capital Adequacy. Journal of Business Economics, 24(1), 36–50. https://doi.org/10.35760/eb.2019.v24i1.1854
Chabachib, M., Yudha, A., Hersugondo, H., Pamungkas, I. D., & Udin, U. (2019). The role of firm size on bank liquidity and performance: A comparative study of domestic and foreign banks in Indonesia. International Journal of Economics and Business Administration, 7(3), 96–105. https://doi.org/10.35808/ijeba/310
Dewi, A. R. (2019). Pengaruh LDR, NIM Dan ROA terhadap Return Saham (Studi Kasus pada Bank Umum yang Terdaftar di Bursa Efek Indonesia 2014 – 2017). Jurnal Manajemen Dan Kewirausahaan, 7(1), 69–77. https://doi.org/10.26905/jmdk.v7i1.2983
Ghozali, I. (2013). Aplikasi Analisis Multivariete Dengan Program IBM SPSS 23, Edisi 8. In Badan Penerbit Universitas Diponegoro.
Herdhayinta, H., & Supriyono, R. A. (2019). Determinants of Bank Profitability: the Case of the Regional Development Bank (Bpd Bank) in Indonesia. Journal of Indonesian Economy and Business, 34(1), 1. https://doi.org/10.22146/jieb.17331
Hussin, F., Ali, J., & Noor, M. S. Z. (2014). Kaedah Penyelidikan & Analisis Data SPSS. In Penerbit Universiti Utara Malaysia.
Kartini, & Nuranisa, A. (2014). Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), PertumbuhanDana Pihak Ketiga (DPK), Biaya Operasional terhadap Pendapatan Operasional (BOPO)Terhadap Likuiditas Yang Diukur Dengan Loan to Deposit Ratio Pada Perusahan Perbankan Yang Tercat. UNISIA, 81(81), 148–162.
Musa, D. A. L., Alam, S., & Munir, A. R. (2019). Analisis Car, Npl, Nim, Roa Terhadap Ldr Pada P.T. Bank Bumn (Persero) Di Indonesia. Jurnal Economix, 7(2), 1–8.
Naharina, N., & Muizzudin, A. (2016). Analisis Pengaruh Rasio Keuangan Terhadap Profitabilitas Bank Pembangunan Daerah (Studi Kasus Bpd Jawa Timur Periode 2006-2016). Fakultas Ekonomi Dan Bisnis Universitas Brawijaya, 1–15.
Parhan, M. (2021). The Determinant of Banking Profitability in Indonesia (A Study of Commercial Banks Listed on the Indonesia Stock Exchange in 2013-2019). Jurnal Ilmiah Mahasiswa FEB. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/7163
Prasanth, S., Nivetha, P., Ramapriya, M., & Sudhamathi, S. (2020). Factors affecting non performing loan in India. International Journal of Scientific and Technology Research, 9(1), 1654–1657.
Saleh, D. S., & Winarso, E. (2021). Analysis of Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR) towards Profitability. International Journal of Multicultural and Multireligious Understanding, 8(1), 423–436.
Sari, A. R. (2018). Pengaruh Capital Adequacy Ratio (Car) Dan Loan To Deposit Ratio (Ldr) Terhadap Profitabilitas Return on Asset (Roa) Pt Bank Mandiri Tbk. JURNAL SeMaRaK, 1(2), 61–70. https://doi.org/10.32493/smk.v1i2.1803
Silaban, P. (2017). The Effect of Capital Adequacy Ratio, Net Interest Margin and Non-Performing Loans on Bank Profitability: The Case of Indonesia. International Journal of Economics and Business Administration, V(Issue 3), 58–69. https://doi.org/10.35808/ijeba/135
Sintha, L. (2014). Analisis Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Return On Asset (ROA) dan Net Interest Margin (NIM) terhadap Loan to Deposit Ratio (LDR) pada Industri Perbankan. Jurnal Keuangan Dan Perbankan, 2(3), 148–162.
Solimun, Armanu, & Fernandes, A. A. R. (2018). Metodologi Penelitian Kuantitatif Perspektif Sistem (W. Wiranata (ed.); 3rd ed.). Universitas Brawijaya.
Sujarweni, V. W. (2015). SPSS Untuk Penelitian (Florent (ed.); 1st ed.). Pustaka Baru Press.
Supeni, N. (2019). Effect Of Npl And Ldr On Roa Of Pt. Bank Rakyat Indonesia. Tbk With Car As An Intervening Variable. Jurnal Agribest, 3(1), 14. https://doi.org/10.32528/agribest.v3i1.1941
Susilawati, L. K. P. A., Supriyadi, Widiasavitri, P. N., Tobing, D. H., Astiti, D. P., & Rustika, I. M. (2017). Bahan Ajar Teori Dan Konsep Dasar Statistika Dan Lanjut. 1–66.
Susilowati, E. M., & Tiningrum, E. (2019). Tata Kelola Perbankan Ditinjau Dari Kinerja Keuangan Dilihat Dari Profitabilitas Perbankan. Ekonomi Dan Perbankan.
Widyakto, A., Suhardjo, Y., & Ardiansari, A. (2021). Analysis of The Impact of NIM, LDR and NPL on Bank Profitability With Variable Mediating Firm Size (Empirical Study on Public Banks Listed on IDX in 2015-2019. Management Analysis Journal, 10(3), 257–263.
Yolanda. (2017). Capital Adequacy Ratio And Its Influencing Factors On The Islamic Banking In Indonesia The first Islamic bank in Indonesia is Muamalat Bank . Its establishment is pioneered by the Indonesian Ulama Council and officially operational in 1992 . The Table 1 T. Ikonomika: Journal Of Islamic Economics and Business, 2(2), 162–176. https://doi.org/10.24042/febi.v2i1.943162162
Yudha, A., Chabachib, M., Rini, I., & Pangestuti, D. (2018). Analysis Of The Effect Of Npl, Nim, Non Interest Income, And Ldr Toward Roa With Size As Control Variables (Differences Study On Domestic And Foreign Banks Listed On Bei Period 2010-2015). Analysis Of The Effect Of Npl, Nim, Non Interest Income, And Ldr Toward Roa With Size As Control Variables (Differences Study On Domestic And Foreign Banks Listed On Bei Period 2010-2015), 26(2), 100–113. https://doi.org/10.14710/jbs.26.2.100-113.
Template
