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STUDI PENYALURAN KREDIT BANK UMUM SWASTA NASIONAL DI INDONESIA PERIODE 2011-2015 Khibtiyah, 13.05.51.0192; Masdjojo, Gregorius N.
Students Journal of Economic and Management Vol 6, No 1 (2017): Vol. 6 No. 1 Edisi April 2017
Publisher : Students Journal of Economic and Management

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Abstract

This study aims to examine and analyze the influence of Saving, Capital Adequacy Ratio, Non Performing Loans, Return On Assets and Interest Rate on National Private Commercial Bank loan on the period 2011-2015. The population in this study is a national private commercial bank which are operating in Indonesia from 2011 until 2015. The samples are determined using purposive sampling technique. Data analysis was performed using panel data regression with selection between Fixed Effect Model (FEM) and the Random Effects Model (REM) through the Hausman test. Hausman test result recommends using FEM. Based on the output FEM showed that the Saving has a significant positive effect on Bank Loan, Capital Adequacy Ratio has no effect on Bank Loan, Non Performing Loans has no effect on Bank Loan, Return On Assets has no effect on Bank Loan and Interest has significant negative effect on Bank Loan. Keywords: Third Party Funds, Capital Adequacy Ratio, Non Performing Loans, Return On Assets, Interest Rate, Credit, Fixed Effect Model (FEM) And The Random Effects Model (REM).
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA BANK UMUM SWASTA NASIONAL DEVISA DI INDONESIA (Periode 2011-2013) Mega Kusumawati, 12.05.51.0171; N Masdjojo, Gregorius
Students Journal of Economic and Management Vol 5, No 1 (2016): Vol.5 No.1 Edisi April 2016
Publisher : Students Journal of Economic and Management

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Abstract

The objective of the study is to examine the effect of Capital Adequacy Ratio, Loan to Deposit Ratio, Operating Expenses on Operating Income, Non Performing Loan and the Foreign Excange Rate to the Return On Asset. The research was conducted on National Private Commercial Bank that registered on Central Bank and the FSA. The sampling method in this study using purposive sampling method with the study period of 2011 to 2013.The data used in this research is data from  National Private Commercial Bank that meet the selection criteria. The analytical method used in this study is panel data regression analysis. The result shows that Capital Adequacy Ratio has no significan effect on Return On Asset. Loan to Deposit Ratio and Foreign Excange Rate have no significan effect on Return On Asset. Operating Expenses on Operating Income and Non Performing Loan have negative and significant effect on Return On Asset. Adjusted R Square is 0.307 this means 30,7% of the dependent variable can be explained by the independent variable, while the remaining 69.3 % is explained by other causes outside the model. Keywords: Capital Adequacy Ratio, Loan to Deposit Ratio,Operating Expenses on Operating Income, Non Performing Loan , and Foreign Exchange Rate.
STUDI PENYALURAN KREDIT BANK UMUM SWASTA NASIONAL DI INDONESIA PERIODE 2011-2015 Khibtiyah, 13.05.51.0192; Masdjojo, Gregorius N.
Students' Journal of Economic and Management Vol 6 No 1 (2017): Vol. 6 No. 1 Edisi April 2017
Publisher : Students' Journal of Economic and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to examine and analyze the influence of Saving, Capital Adequacy Ratio, Non Performing Loans, Return On Assets and Interest Rate on National Private Commercial Bank loan on the period 2011-2015. The population in this study is a national private commercial bank which are operating in Indonesia from 2011 until 2015. The samples are determined using purposive sampling technique. Data analysis was performed using panel data regression with selection between Fixed Effect Model (FEM) and the Random Effects Model (REM) through the Hausman test. Hausman test result recommends using FEM. Based on the output FEM showed that the Saving has a significant positive effect on Bank Loan, Capital Adequacy Ratio has no effect on Bank Loan, Non Performing Loans has no effect on Bank Loan, Return On Assets has no effect on Bank Loan and Interest has significant negative effect on Bank Loan. Keywords: Third Party Funds, Capital Adequacy Ratio, Non Performing Loans, Return On Assets, Interest Rate, Credit, Fixed Effect Model (FEM) And The Random Effects Model (REM).