ANALISIS PENGARUH LOAN TO DEPOSIT RATIO DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP PROFITABILITAS BANK PEMBANGUNAN DAERAH PULAU KALIMANTAN

Authors

  • Dewi Karimah Universitas Muhammadiyah Malang
  • Ida Nuraini Universitas Muhammadiyah Malang

DOI:

https://doi.org/10.22219/jie.v2i1.6973

Abstract

The objectives of this research is to analyze the effect of variable Loan To Deposit Ratio (LDR), and Cost of Operations to Income Operations (BOPO) on profitability (ROA) of Regional Development Banks in Kalimantan Island. This research using data from the publication of the annual financial statements from each Regional Development Banks in Kalimantan Island. The number of samples as much as 4 Regional Development Banks with the period in 2008-2017. Analitycal techniques used was multiple linear analysis. The result showed the simultaneously (Test F) all free variables affect the dependent variable with a significant value of 0,000. While partially (T test), variable X1 (LDR) has a positive and significant influence on the dependent variable Y (ROA). While X2 (BOPO) has a negative and significant influence on the dependent variable Y (ROA). Determination coefficient (R2) from the regression result of 0,676 this shows the ability of independent variables in explaining the dependent variable changes of 67,6% while the remaining 32,4% is explained by other variable outside the study.

Keyword :  LDR, BOPO, and Profitability (ROA).

Downloads

Download data is not yet available.

References

Abdullah, M. F., Sri, M., & Suliswanto, W. (2017). Perbandingan efisiensi bank skala besar dan kecil. Jurnal Ekonomi Pembangunan, (246).

Dendawijaya, L. (2003). Manajemen Perbankan. Jakarta: Ghalia Indonesia.

Erlangga, O. P., & Mawardi, I. (2016). Pengaruh Total Aktiva, Capital Adequacy Ratio (Car), Finance To Deposit Ratio (Fdr) nan Non Performing Financing (Npf) Terhadap Return On Assets (Roa) Bank Umum Syariah Di Indonesia 2010-2014. Jurnal Ekonomi Syariah Teori Dan Terapan, 3(7), 561–574. https://doi.org/dx.doi.org/10.20473/vol3iss20167pp561

Indarwati, V., & Anan, E. (2014). Pengaruh Rasio-Rasio Keuangan Terhadap Kinerja Bank Di Indonesia ( Studi Kasus pada Bank Pembangunan Daerah di Indonesia Periode 2008-2012 ) Effect of Financial Ratios toward Bank Performance in Indonesia ( Case Study on the Regional Development Banks in. STIEBBANK Yogyakarta, 35–54.

Kasmir. (2002). Manajemen Perbankan. Jakarta: Rajawali Pers.

Riyadi, S. (2004). Banking Assets and Liability Management. jakarta: Penerbitan FE UI.

Zuhroh, I. (2012). Analisis Kualitas Pembiayaan Perbankan Syariah Tahun 2006-2010. Jurnal Ekonomi Pembangunan, 10 No.2, 1–17.

Zuhroh, I., & Abdullah, M. faisal. (2014). Komparasi Kinerja Keuangan Bank Nasional Dan Bank Asing Tahun 2010-2014. Jurnal Ekonomi Pembangunan, 1–14.

Zuhroh, I., Kusuma, H., & Kurniawati, S. (2018). An Approach of Vector Autoregression Model for Inflation Analysis in Indonesia. Journal of Economics, Business & Accountancy Ventura, 20(3), In-Progress.

Downloads

How to Cite

Karimah, D., & Nuraini, I. (2018). ANALISIS PENGARUH LOAN TO DEPOSIT RATIO DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP PROFITABILITAS BANK PEMBANGUNAN DAERAH PULAU KALIMANTAN. Jurnal Ilmu Ekonomi JIE, 2(1), 132–144. https://doi.org/10.22219/jie.v2i1.6973

Issue

Vol. 2 No. 1 (2018): Jurnal Ilmu Ekonomi

Section

Article

License

Authors who publish with this journal agree to the following terms:

  1. For all articles published in the JIE (Jurnal Ilmu Ekonomi), copyright is retained by the authors. Authors give permission to the publisher to announce the work with conditions. When the manuscript is accepted for publication, the authors agree to the automatic transfer of non-exclusive publishing rights to the publisher.
  2. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  3. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  4. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).

Creative Commons License

This is an open access article and licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License