Faktor-faktor yang Mempengaruhi Loan To Deposit Ratio pada Bank Pembangunan Daerah (BPD) di Indonesia Periode 2008-2013

Abstract

Perbankan merupakan sasaran pembangunan ekonomi, dimana perbankan diharapkan mampu mengembangkan dan memajukan perekonomian di Indonesia, khususnya dalam meningkatkan pemerataan kesejahteraan seluruh rakyat Indonesia tanpa terkecuali. Tujuan penelitian ini adalah untuk mengetahui pengaruh Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh terhadap Loan to Deposit Ratio (LDR) pada Bank Pembangunan Daerah Di Indonesia. Variabel independen yang digunakan dalam penelitian ini adalah Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) sedangkan variabel dependen yang digunakan dalam penelitian ini adalah Loan to Deposit Ratio (LDR). Populasi dan sampel penelitian ini adalah seluruh Bank Pembangunan Daerah di Indonesia sejumlah 26 (dua puluh enam) bank dengan periode penelitian tahun 2008-2013. Data yang digunakan dalam penelitian ini diperoleh dari publikasi Laporan Tahunan Bank Indonesia sejak tahun 2008 sampai dengan 2013. Teknik analisis yang digunakan adalah regresi linear berganda. Berdasarkan hasil penelitian bahwa Net Interest Margin (NIM) berpengaruh positif dan signifikan terhadap Loan to Deposit Ratio (LDR). Return on Assets (ROA) dan Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap Loan to Deposit Ratio (LDR). Sedangkan Biaya Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh positif dan tidak signifikan terhadap Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) berpengaruh negatif dan tidak signifikan terhadap Loan to Deposit Ratio (LDR) Bank Pembangunan Daerah (BPD) di Indonesia

Banking is an economic development goals, which the banks are expected to develop and promote the economy in Indonesia, especially in improving the distribution of welfare of all the people of Indonesia without exception. This research aims to know the effect of Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM) and Operational Cost to Income Cost (OCIC) toward Loan to Deposit Ratio (LDR) to Bank Region Development in Indonesia. Independent variables used in this study were the Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM) and Operational Cost to Income Cost (OCIC) and while dependent variable that used in this study was Loan to Deposit Ratio (LDR). Population and sample in this research is all Regional Development Banks in Indonesia to the amount of 26 (twenty six) banks with the study period from 2008-2013. Data was used in this research based on publicity Annual Report of Bank Indonesia since 2008 to 2013. The analysis technique used is doubled linear regression. Based on the result of research Net Interest Margin (NIM) influences positively and significantly toward Loan to Deposit Ratio (LDR) Bank Region Development in Indonesia. Return on Assets (ROA) and Capital Adequacy Ratio (CAR) influences negatively and significantly toward Loan to Deposit Ratio (LDR) Bank Region Development in Indonesia. Operational Cost to Income Cost (OCIC) influences positively and insignificantly toward Loan to Deposit Ratio (LDR) Bank Region Development in Indonesia and Non Performing Loan (NPL) influences negatively and insignificantly toward Loan to Deposit Ratio (LDR) Bank Region Development in Indonesia.