ABSTRAK

            Rizka Ramadhan, D1A215071, 2019, Pengaruh Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR) dan BI Rate terhadap Non Performing Loan (NPL) Pada Bank Umum Konvensional yang Terdaftar di Otoritas Jasa Keuangan (OJK) (Periode 2014-2018). Dibawah bimbingan Sugiharto.

            Hidup Matinya suatu usaha perbankan sangatlah dipengaruhi oleh jumlah kredit, ketahanan bank akan perolehan pendapatan bergantung pada besarnya kredit atau pembiayaan yang disalurkan.Semakin besarnya jumlah kredit yang diberikan maka akan membawa konsekuensi semakin besarnya risiko yang harus ditanggung oleh bank.

            Penelitian ini bertujuan untuk mengetahui  pengaruh parsial serta simultan terhadap Non Performing Loan (NPL). Subjek Penelitian ini adalah Bank Umum Konvensional Indonesia yang terdaftar di Otoritas Jasa Keuangan. Data yang digunakan dalam penelitian ini adalah Data Laporan Keuangan periode 2014-2018. Populasi yang digunakan adalah berjumlah 105 bank yang terdaftar di Otoritas Jasa Keuangan (OJK) sedangkan bank sampel yang dipilih ialah 10 bank dengan menggunakan teknik Purposive Sampling. Metode Analisis yang digunakan Analisis Regresi Linear Berganda dengan menggunakan Aplikasi SPSS Versi 25.

Hasil penelitian membuktikan secara parsial Loan to Deposit Ratio (LDR)

berpengaruh secara signifikan terhadap Non Performing Loan (NPL) dengan nilai signifikansi (0.018<0.05) dan besar pengaruh 16,30%, maka dalam penelitian ini H₁ diterima. BI Rate secara parsial berpengaruh secara signifikan terhadap Non Performing Loan (NPL) dengan nilai signifikansi (0.008<0.05) dan besar pengaruh 11,90%, maka H₃ dalam penelitian ini diterima. Loan to Asset Ratio (LAR) secara parsial tidak berpengaruh signifikan terhadap Non Performing Loan (NPL) dengan nilai signifikansi (0.330>0.05) dan besar pengaruh hanya -3,45%, maka H₂ dalam penelitian ini ditolak. Secara Simultan, variabel Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR) dan BI Rate berpengaruh terhadap Non Performing Loan (NPL) dengan kontribusi sebesar 24,8%.

Kata Kunci : Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR), BI Rate dan Non Performing Loan (NPL)

ABSTRACT

Rizka Ramadhan, D1A215071, 2019, Effect of Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR) and BI Rate on Non-Performing Loans (NPLs) in Conventional Commercial Banks Registered in the Financial Services Authority (OJK) (2014- Period) 2018). Under the guidance of Sugiharto.

Life and death of a banking business is strongly influenced by the amount of credit, bank resilience of income acquisition depends on the amount of credit or financing disbursed. The greater the amount of credit given, the greater the risk that must be borne by the bank.

This study aims to determine the effect of partial and simultaneous on Non-Performing Loans (NPL). The subject of this research is the Indonesian Conventional Commercial Bank registered with the Otoritas Jasa Keuangan. The data used in this study is the 2014-2018 Financial Statement Data. The population used is 105 banks registered with the Financial Services Authority (OJK) while the sample banks selected are 10 banks using the Purposive Sampling technique. The analysis method used is Multiple Linear Regression Analysis using SPSS Version 25 Application.

The research results prove partially Loan to Deposit Ratio (LDR) significantly influence the Non Performing Loan (NPL) with a significance value (0.018 <0.05) and a large effect of 16.30%, then in this study H1 was accepted. BI Rate has a partially significant effect on Non-Performing Loans (NPL) with a significance value (0.008 <0.05) and a large effect of 11.90%, then H3 in this study was accepted. Loan to Asset Ratio (LAR) partially did not significantly influence the Non Performing Loan (NPL) with a significance value (0.330> 0.05) and the magnitude of influence was only -3.45%, so H2 in this study was rejected. Simultaneously, the variable Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR) and BI Rate affect the Non Performing Loan (NPL) with a contribution of 24.8%.

Keywords: Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR), BI Rate and Non Performing Loan (NPL)