DETERMINAN KINERJA KEUANGAN BANK PERKREDITAN RAKYAT KONVENSIONAL

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Published: Apr 1, 2014
Keywords:
ROA, Loan to Deposit Ratio, Non-Performing Loan, Capital Adequacy Ratio, BOPO

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Syamsul Maryadi
Institute of Public Policy and Economic Studies
Agus Tri Basuki
Fakultas Ekonomi, Universitas Muhammadiyah Yogyakarta

Abstract

Abstract: The research aims to analyze the banking management rate (liquidity rate and credit distribution rate, asset quality rate, capital rate, and the operational efficiency rate) to the Return on Asset (ROA) of Bank Perkreditan Rakyat (BPR). The sample that is used in this research taken from BPRs which operate in Yogyakarta. The research uses the regression model of panel data with two-ways-fixed-effect. The result shows that liquidity rate and credit distribution rate (loan to deposit ratio) is not significant to ROA. Asset quality rate (Non-Performing Loan) and operational efficiency rate (BOPO) has significantly negative influence to ROA while capital rate (capital adequacy ratio) has positive and significant impact to ROA.

 

Abstrak: Studi ini bertujuan untuk mengetahui dan menganalisis pengaruh tingkat rasio kesehatan bank (tingkat likuiditas dan penyaluran kredit, tingkat kualitas aset, tingkat kecukupan modal dan tingkat efisiensi operasional) terhadap kinerja keuangan (Return On Asset) Bank Perkreditan Rakyat Konvensional di Daerah Istimewa Yogyakarta periode Juni 2009-April 2013. Sampel dalam studi ini adalah seluruh Bank Perkreditan Rakyat Konvensional yang beroperasi di kabupaten dan kota Daerah Istimewa Yogyakarta. Studi ini menggunakan model regresi data panel dengan model two-ways fixed-effect (efek tetap dua arah). Hasil studi menunjukkan bahwa tingkat likuiditas dan penyaluran kredit (Loan to Deposit Ratio) berpengaruh tidak signifikan terhadap kinerja keuangan, tingkat kualitas aset (Non Performing Loan) dan tingkat efisiensi operasional (BOPO) berpengaruh negatif dan signifikan terhadap kinerja keuangan sementara tingkat kecukupan modal (Capital Adequacy Ratio) berpengaruh positif dan signifikan terhadap kinerja keuangan.

 

Article Details

How to Cite
Maryadi, S., & Basuki, A. T. (2014). DETERMINAN KINERJA KEUANGAN BANK PERKREDITAN RAKYAT KONVENSIONAL. Jurnal Ekonomi &Amp; Studi Pembangunan, 15(1), 55–63. Retrieved from https://journal.umy.ac.id/index.php/esp/article/view/1254
Issue
JESP Volume 15 Nomor 1, April 2014
Section
Articles

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