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Andi Ruslan
Sekolah Tinggi Agama Islam Negeri Watampone
Religion Economics, Econometrics & Finance Social Sciences

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PENGARUH LOAN TO DEPOSIT RATIO DAN KUALITAS AKTIVA PRODUKTIF TERHADAP PENCAPAIAN LABA BANK PERKREDITAN RAKYAT (BPR) DI INDONESIA Andi Ruslan
AL-IQTISHAD Vol 12, No 1 (2020): Al-Iqtishad
Publisher : Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (425.093 KB) | DOI: 10.30863/aliqtishad.v12i1.1748

Abstract

AbstractThis study aims to : ( I ) To analyze the effect Loan to Deposit Ratio ( LDR ) to earnings after tax ( EAT) Rural Bank ( BPR ) in lindonesia ( 2 ) To analyze the effect ofthe quality of earning assets Loans ( KAP - Credit ) to earnings after tar ( EAT) Rural Bank ( BPR ) in lindonesia . ( 3 ) To analyze the effect Loan to Deposit Ratio ( LDR ) and Credit Assets Quality ( KAP - Credit ) simultaneously to earnings gfter tar ( EAT ) Rural Bank ( BPR ) in Indonesia. This study analyzed the effect of the Loan to Deposit Ratio ( LDR ) and the Assets Quality ( KAP ) Credit against net profit qfier tar ( E,4T ) on BPR Indonesia . As for the object of study consists of three variables consist of two (2) independent variables and one (I) dependent variable . independent variable in this study is LDR BPR ( Xl ) Assets Quality ( KAP ) Rural Credit ( ) , while the dependent variable is the net profit after tax of BPR ( EAT ) ( YI ) . The data used beginning in 2000-2012 and analyzed using descriptive statistics , multiple regression analysis using SPSS . The results obtained indicate that ( I ) Variable Loan to Deposit Ratio ( LDR ) no significant effect on profit after tar / Earnings After Tar ( EAT) . but a positive effect . ( 2 ) Variable Credit Assets Quality ( KAP - Credit ) influential significant and positive impact on profit after tar / earnings after Tar ( EAT) . ( 3 ) simultaneously indicates that both variables to Deposit Ratio ( LDR ) and Credit Assets Quality ( KAP - Credit ) significantly influence the profit after tax / Earnings Afier Tax ( EAT ) Kata Kunci: Loan To Deposit Ratio; Aktiva Produktif; Laba Bank.
ANALISIS KUALITAS ASET SISTEM PERBANKAN INDONESIA TAHUN 2000-2011 Andi Ruslan
AL-IQTISHAD Vol 12, No 2 (2020): Al-Iqtishad
Publisher : Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (277.493 KB) | DOI: 10.30863/aliqtishad.v12i2.1753

Abstract

AbstractThe purpose of this study was to determine the quality of the assets or the assets held by the banking system in Indonesia in 2000-2011 by looking at the ratio APYD compared to total earning assets and earning assets (Non-Performing assets) compared to total earning assets owned by commercial banks and Islamic banks in the aggregate ini 2000-2011. The type of data used in this study is secondary data. The data include statistics on Indonesia banking period 2000-2011. Based on the calculations can be seen that the average (mean) ratio APYD Earning Assets, NPA ratio Earning Assets, Earning Asset  NPF  ratio of commarial banks and Islamic banks over the past ten years each below 5% in the amount of 3.52%, 3.12%, 4.25%. this shows the soundness of the banking Indonesia quality assets performed well.Kata Kunci: Non Performing Assets; Non Performing Financing.
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