Pengaruh Posisi Kredit dan Dana Pihak Ketiga Terhadap Laba Bank dengan Non Performing Loan Sebagai Pemediasi
(Studi Kasus Pada Bank Perkreditan Rakyat di Lumajang)
DOI:
https://doi.org/10.30741/assets.v3i2.440Keywords:
Credit Position, Third-Party Funds, Non-Performing Loans, Bank ProfitsAbstract
This study aims to examine the effect of credit position and third party funds on bank profits both partially and simultaneously. The next goal is also to find out whether non-performing loans can be a mediator between the influence of credit positions and third party funds on bank profits. The research was conducted at the rural Bank in Lumajang consisting of 6 (six) banks. The analytical technique used is path analysis by testing the first substructure and the second substructure. Samples in the form of quarterly reports as many as 6 periods from 2015 to 2017, so the number of samples is 36 quarterly reports. The results of the study state that the credit position has a significant effect on non-performing loans, third party funds have no significant effect on non-performing loans, simultaneously the position of credit and third party funds have a significant effect on non-performing loans. The next result is the position of credit, third party funds, and non-performing loans does not have a significant effect on bank profits, but simultaneously all three have a significant effect on bank profits. Non-performing loans apparently also cannot be a mediator of the influence of credit positions and third party funds on bank profits. Future research is expected to examine other variables that influence bank profits
Downloads
References
Arikunto, S. (2013). Manajemen Penelitian. Cetakan keduabelas. Jakarta: PT. Rineka Cipta.
Bank Indonesia. (2004). Peraturan Bank Indonesia nomor 6/10/PBI/2004 tanggal 12 April 2004 dan Surat Edaran Bank Indonesia nomor 6/23/DPNP tanggal 31 Mei 2004 tentang sistem penilaian tingkat kesehatan bank umum yang melaksanakan kegiatannya secara konvensional. Bank Indonesia. Jakarta.
Dendawijaya, L. (2005). Manajemen Perbankan. Ghalia Indonesia.
Gumayantika, R. (2008). Analisis Manajemen Risiko Kredit dan Pengaruhnya Terhadap Laba Perusahaan dengan Penerapan Program Komputer (Studi Kasus PT. Bank Jabar Cabang Ciamis). Skripsi pada Departemen Manajemen, Fakultas Ekonomi dan Manajemen, Institut Pertanian Bogor. Bogor.
Kasmir. (2008). Manajemen Perbankan. RajaGrafindo Persada, Jakarta.
Kuncoro, M. (2007). Metode Kuantitatif. Unit Penerbit dan Percetakan (UPP) STIM YKPN, Yogyakarta.
Slamet, R. (2006). Banking Assets and Liability Management (Edisi Ketiga). Jakarta: Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia.
Sugiyono. (2009). Metode Penelitian Bisnis. CV. Alfabeta. Bandung.
Triandaru, S., & Budisantoso, T. (2006). Bank dan Lembaga Keuangan Lain. Jakarta: Salemba Empat.
Umar, H. (2002). Metode riset bisnis: panduan mahasiswa untuk melaksanakan riset dilengkapi contoh proposal dan hasil riset bidang manajemen dan akuntansi. Gramedia Pustaka Utama.
