Meitasari, Dinda Ayu (2014) Analysis Of Effect Of Consumer And Productive Credit On Bank Profit By Bank Group. Sarjana thesis, Universitas Brawijaya.
Abstract
Pergeseran kredit yang terjadi di masyarakat yaitu dari kredit konsumtif dan kredit produktif, memiliki pengaruh terhadap perolehan laba bank. Memperoleh laba merupakan tujuan utama berdirinya bank. Oleh karena bank berperan penting dalam sistem keuangan di masyarakat, maka bank harus memiliki strategi dalam mengalokasi kredit sehingga dapat memperoleh laba. Kredit yang digunakan yaitu kredit konsumtif (kredit konsumsi) dan kredit produktif (kredit modal kerja dan kredit investasi). Penelitian ini bertujuan untuk mengetahui kontribusi kredit konsumtif dan produktif terhadap laba bank berdasarkan kelompok bank. Penelitian dilakukan terhadap Bank berdasarkan kelompok kepemilikannya yaitu terdiri dari Bank Persero, Bank Pemerintah Daerah, Bank Swasta Nasional serta Bank Asing dan Bank Campuran. Data yang digunakan dalam penelitian ini adalah data sekunder dari studi pustaka. Analisis menggunakan metode regresi data panel dengan pengolahan data pada Eviews versi 7. Hasil penelitian menunjukkan bahwa kredit investasi memiliki kontribusi paling besar terhadap laba yaitu sebesar 81,5%. Sedangkan, kontribusi dari kredit modal kerja sebesar 33,6% dan kredit konsumsi sebesar 29,6%. Meskipun jumlah kredit modal kerja yang disalurkan lebih tinggi daripada kredit investasi dan kredit konsumsi, tetapi kontribusi yang diberikan dari kredit investasi jauh lebih besar. Hal ini menunjukkan bahwa risiko yang harus ditanggung dari masing-masing kredit, berpengaruh terhadap pengembalian kredit, sesuai dengan teori high risk high return. Perbedaan kelompok bank pun memberikan kontribusi yang berbeda terhadap setiap jenis kredit. Bank Persero dan Bank Pemerintah Daerah menunjukkan kontribusi negatif, sedangkan Bank Swasta Nasional dan Bank Asing dan Bank Campuran menunjukkan kontribusi positif, terhadap laba berdasarkan kredit yang disalurkan.
English Abstract
The loan shift that happened in the public, that is consumptive loan and productive loan, having an impacts in profitability of bank. Profit is the ultimate goal of bank’s establishment. Therefore, the bank is an important role in the financial systems, then the bank should have a strategy in loans allocation, so they can get some profit. The type of loans is consumptive loans (consumer loans) and productive loans (working capital loans and investment loans. This research aims to determine the consumptive loans and productive loans to bank profits by group of bank. This study conducted on the group of bank under the ownership, such as Bank Limited, Local Bank of Government, National Private Bank and Foreign Bank and Mixed Bank. The data that used in this study are secondary data from the literature. The analysis is using panel data regression with data processing in Eviews 7. The result showed that the investment loans has the most contributed of profit that is equal to 81,5%. Meanwhile, the contribution of working capital loans amounting 33,6% and for consumer loans is 29,6%. Although the amount of working capital loans distributed is higher than investment loans and consumer loans, but investment loans has larger contribution than all. This suggest that the risk to be borne from each loans, affect repayment to the loans, according the theory of high risk high return. Differences group of banks also contributes different to each type of loan. Bank Limited and Local Bank of Government showed a negative contribution, while the National Private Bank and Foreign Bank and Mixed Bank indicates a positive contribution to profit by lending loans.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2014/435/051407590 |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Hasbi |
| Date Deposited: | 10 Nov 2014 09:58 |
| Last Modified: | 29 Nov 2021 02:25 |
| URI: | http://repository.ub.ac.id/id/eprint/107467 |
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