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PENGARUH LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSET (ROA) DENGAN NON PERFORMING LOAN (NPL) SEBAGAI VARIABEL MODERATING PADA BANK UMUM DI BEI PERIODE 2009 – 2013

CLOUDYA, WINY (2015) PENGARUH LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSET (ROA) DENGAN NON PERFORMING LOAN (NPL) SEBAGAI VARIABEL MODERATING PADA BANK UMUM DI BEI PERIODE 2009 – 2013. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.

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PENGARUH LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSET (ROA) DENGAN NON PERFORMING LOAN (NPL) SEBAGAI VARIABEL ~1.pdf - Published Version
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Abstract

This thesis entitled "The influence of the loan to deposit ratio (LDR) to the return on assets (ROA) with a non-performing loan (NPL) as a moderating variable on the Stock Exchange of Commercial Banks in the period 2009-2013". The aim of this study was to determine whether the effect of the loan to deposit ratio (LDR) to the return on assets (ROA) can be moderated or attenuated by the non-performing loan (NPL) at the Commercial Bank listed on the Stock Exchange. Commercial Bank listed on the Indonesia Stock Exchange is the Banking Institutions both public and private which is engaged in financial services and banking services to its customers such as savings, deposits, electronic transactions, mutual funds, credit facilities and housing business and various other services. The method used is quantitative method. The design used in this study consisted of descriptive causal design. Data collection techniques done with the literature study and documentation of the company's financial statements. The data samples in this study were 140 financial reports of 28 commercial banks that meet the criteria of sampling to the time of observation for 5 years. Processing data using statistical program SPSS version 17. Based on the results of data processing by using Moderated Regression Analysis (MRA), note that the value of R square obtained 0128 showed that the variations that occur in the variable return on assets (ROA) amounted to 12.8% can be explained by the loan to deposit ratio (LDR) to non performing loan (NPL) as a moderating variable. Results of testing the first hypothesis (H1) indicates that the variable loan to deposit ratio (LDR) individually a positive effect on return on assets (ROA). While the results of testing the second hypothesis (H2) indicates that the variable non-performing loan (NPL) to weaken the influence of the loan to deposit ratio (LDR) to the return on assets (ROA) on the Stock Exchange of Commercial Banks in the period 2009-2013.

Item Type: Thesis (S1)
Contributors:
ContributionContributorsNIP/NIM
Thesis advisorMahmudi, Bambang196704122002121002
Thesis advisorNurhayati, Enok197207312006042004
Additional Information: Skripsi ini berjudul “pengaruh loan to deposit ratio (LDR) terhadap return on asset (ROA) dengan non performing loan (NPL) sebagai variabel moderating pada Bank Umum di BEI periode 2009 – 2013”. Tujuan dari dilakukannya penelitian ini adalah untuk mengetahui apakah pengaruh loan to deposit ratio (LDR) terhadap return on asset (ROA) dapat dimoderasi atau dilemahkan oleh non performing loan (NPL) pada Bank Umum yang terdaftar di BEI. Bank Umum yang terdaftar di Bursa Efek Indonesia merupakan Lembaga Perbankan baik milik pemerintah maupun swasta yang bergerak dalam bidang layanan jasa keuangan dan perbankan kepada nasabahnya seperti seperti layanan tabungan, deposito, transaksi elektronik, reksadana, fasilitas kredit usaha maupun perumahan dan berbagai layanan lainnya. Metode penelitian yang digunakan ialah metode kuantitatif. Desain yang digunakan dalam penelitian ini terdiri dari desain deskriptif kausal. Teknik pengumpulan data dilakukan dengan studi kepustakaan dan dokumentasi dari laporan keuangan perusahaan. Data sampel dalam penelitian ini sebanyak 140 laporan keuangan dari 28 Bank Umum yang memenuhi kriteria sampling dengan waktu pengamatan selama 5 tahun. Pengolahan data menggunakan program statistik SPSS Versi 17. Berdasarkan hasil pengolahan data dengan menggunakan Moderated Regression Analysis (MRA), diketahui bahwa nilai R square diperoleh 0.128 menunjukkan bahwa variasi yang terjadi pada variabel return on asset (ROA) dapat dijelaskan sebesar 12,8% oleh loan to deposit ratio (LDR) dengan non performing loan (NPL) sebagai variabel moderating. Hasil pengujian hipotesis pertama (H1) menunjukkan bahwa variabel loan to deposit ratio (LDR) secara individu berpengaruh positif terhadap return on asset (ROA). Sedangkan hasil pengujian hipotesis kedua (H2) menunjukkan bahwa variabel non performing loan (NPL) memperlemah pengaruh loan to deposit ratio (LDR) terhadap return on asset (ROA) pada Bank Umum di BEI periode tahun 2009 – 2013.
Uncontrolled Keywords: Deposit Ratio, Return On Asset, Non Performing Loan
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions: 05-Fakultas Ekonomi dan Bisnis
05-Fakultas Ekonomi dan Bisnis > 61201-Program Sarjana Manajemen
Depositing User: Perpustakaan Pusat
Date Deposited: 29 Mar 2022 10:05
Last Modified: 29 Mar 2022 10:05
URI: http://eprints.untirta.ac.id/id/eprint/10889

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