Nurcahyo, Dadan (2015) Analisis Pengaruh Faktor Internal dan Faktor Eksternal Bank Terhadap Kinerja Kredit Bermasalah KUR (Kredit Usaha Rakyat) (Studi Kasus pada BPD Yang Telah Go Public Periode Januari 2012 - Desember 2014. Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian ini merupakan penelitian yang memiliki tujuan untuk menganalisis pengaruh faktor internal dan faktor eksternal bank terhadap kinerja kredit bermasalah KUR (Kredit Usaha Rakyat) studi kasus pada BPD yang telah Go Public periode januari 2012 – Desember 2014. Penelitian merupakan penelitian kuantitatif dengan menggunakan metode panel data dengan periode bulan Januari 2012 – Desember 2014. Objek penelitian dalam penelitian kali ini adalah BPD Jawa Timur dan BPD Jawa Barat dan Banten. Faktor-faktor yang dianalisis pengaruhnya dalam penelitian kali ini dibagi menjadi dua yaitu faktor internal bank yang terdiri dari Bank Size, CAR (Capital Adequancy Ratio), dan LDR ( Loan Deposit Ratio) serta faktor eksternal bank yang terdiri dari inflasi dan BI Rate.Estimasi model yang digunakan adalah panel data fixed effect.Hasil penelitian kali ini adalah variabel Bank Size,Inflasi dan BI Rate memiliki pengaruh signifikan terhadap kinerja kredit bermasalah KUR (Kredit Usaha Rakyat) sedangkan variabel CAR (Capital Adequancy Ratio), dan LDR ( Loan Deposit Ratio) memilik pengaruh tidak signifikan terhadap kinerja kredit bermasalah KUR (Kredit Usaha Rakyat).
English Abstract
Financial institutions such as banks as intermediary institutions in collecting funds from the public that the excess funds and distribute as a credit to the people who need the funds, where 75% of income derived from the lending bank. According to data from Bank Indonesia in January 2010 to August 2014, the number ofmortgage loans have an increasing trend. An increase in lending conditions in conjunction with the issuance of a new policy by Bank Indonesia on credit tightening on the property. Previous rules have been there in March 2012 in Bank Indonesia Circular Letter No.14/10/DPNP and refined on Bank Indonesia Regulation in Circular No.15/40/DKMP September 24, 2013, which discusses the application of risk management of banks loan or financing of property, credit or property with colateral, and financing of motor vehicles. This research aims to find out how the impact of loan to value policy on bank value in determining the amount of mortgage loans which are distributed, as well as knowing what is the dominant variable affecting the bank in determining the amount of the mortgage loan portfolio. The method used in this research is to use panel data regression which is a combination of the data time series and cross section. Sample of this research choosen by purposive sampling technique. This study resulted that after the loan to value policy, only DPK and LDR variable are significant affected mortgage lending and have positive coefficient, while the variable CAR, NPLs, ROA, BOPO, and BI rate has no significant effect on mortgage lending.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2015/402/051504687 |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Endang Susworini |
| Date Deposited: | 08 Jul 2015 09:42 |
| Last Modified: | 01 Nov 2021 04:05 |
| URI: | http://repository.ub.ac.id/id/eprint/107999 |
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