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All Journal Indonesian Journal of Business Analytics (IJBA)
Muhammad Faisal Daulay
Universitas Tanjungpura
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Determinants of Dividend Contribution of Regional Banks of West Kalimantan to Regional Original Income: The Role of NPL, LDR, NIM, and ROA Muhammad Faisal Daulay; Nella Yantiana; Muhammad Fahmi
Indonesian Journal of Business Analytics Vol. 6 No. 5 (2026): October 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v6i5.18585

Abstract

Bank Kalbar plays a strategic role as a regional government-owned bank contributing to West Kalimantan's Regional Own Revenue (PAD) through dividend distribution. This study examines the effect of Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Return on Assets (ROA) on Bank Kalbar's dividend contribution ratio to PAD for 2019–2023, using quarterly data (20 observations) and Ordinary Least Squares (OLS). Results show NIM (β=0.412; p<0.01) and ROA (β=0.387; p<0.05) significantly and positively affect dividend contribution, NPL has a significant negative effect (β=-0.318; p<0.05), while LDR is not significant partially but is significant in the simultaneous model (F=18.743; p<0.001). These findings imply that improving asset quality and optimizing net interest margin are key to enhancing Bank Kalbar's contribution to PAD.
Co-Authors Muhammad Fahmi Nella Yantiana