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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).
Co-Authors 09.05.52.0010 Octa Artarina 10.05.52.0012 Riswati 10.05.52.0096 Vhaffrixca Aiffani 10.05.52.0127 Umirotul Fauziah 12.05.51.0171 Mega Kusumawati, 12.05.51.0171 12.42.02.0038 Endah Purbarini 1352020059 Rifiana Darmasti, 1352020059 Agus Budi Santosa Akuarista, Arum Antono Adhi Ayudya Shita Devi Azizah, Istiqomah Azizah, Istiqomah Bambang Sudiyatno Darodjat , Tubagus Achmad Dina Fadhilah Elen Puspitasari Endah Purbarini Endah Purbarini, Endah Felix Ananta Santoso, 14.05.52.0072 Fika Nurul Hidayati Fitika Andraini Istiqomah Azizah, 14.05.52.0043 Istiqomah Azizah, 14.05.52.0043 Kartika, Fitria Yuliani Khibtiyah, 13.05.51.0192 Khibtiyah, 13.05.51.0192 Kusbiantoro, Shefira Afdeana Listiyorini Wahyu Widati Luqman Hakim Merly Rosetiyana, 14.05.52.0275 Muammar Fahmi Nabila Sabrina Asma Sinaga Sinaga Noviani, Anita Nurhayat , Ida Octa Artarina Putri, Adelia Rahmadyaningrum, Ulfa Ramadhani, Laila Mustika Ratnasari, Revita Evi Rinandi Nadila Ade Kurnia Rokh Eddy Prabowo Rokh Eddy Prabowo Sadaruddin, Tubagus Muhammad Septiyana, Auliya Sinta Trisna Yanti Sinta Trisna Yanti, 15.05.52.0057 Siti Khotimah, 15.05.52.0363 Sri Isnowati Sri Isnowati Sugino Sugino Sukartono Suleni, Imam Sunny Safryani Thamrin, Andrew Titiek Suwarti Tiya Ayu Widyarini Tjua, Stefanie Monika Viana, Ceacilia Erieka Widyarini, Tiya Ayu Wijayanti, Rr. Murni Indah Yudhi Prasetyo, Yudhi Yuli Priastuti, Wahyu Yuli Priastuti, Wahyu Yunarsih Yunitasari, Wijdanti Zulfa Maulida Rifki Fitria, 14.05.52.0243 Zulfa Maulida Rifki Fitria, 14.05.52.0243