Pengaruh Loan to Deposit Ratio, Loan to Asset Ratio, dan Non Performing Loan terhadap Tingkat Likuiditas Bank yang telah Go Public

Adi, Satriyo Purna, Dr. Hardo Basuki, M.Soc.Sc., Ak.

2008 | Skripsi | S1 Extention - Accounting

Penelitian ini menganalisis faktor-faktor yang mempengaruhi tingkat likuiditas pada perusahaan perbankan yang terdaftar di Bursa Efek Jakarta. Penelitian ini bertujuan untuk mengetahui factor-factor loan to deposit ratio, loan to asset ratio, dan non performing loan terhadap tingkat likuiditas pada perusahaan perbankan. Populasi dalam penelitian ini adalah perusahaan perbankan yang terdaftar di Bursa Efek Jakarta (BEJ) pada periode 2003-2005. Dalam menentukan sampel, penelitian ini menggunakan metode purposive sampling, dan sampel yang diperoleh sebanyak 10 perusahaan. Model analisis yang digunakan dalam penelitian ini adalah, model regresi linier berganda atau multiple linear regression method. Analisis hasil regresi dilakukan setelah model bebas dari gejala-gejala asumsi klasik yang dianggap penting, yaitu: multikolineritas, autokorelasi, dan heteroskedastisitas. Hasil analisis menunjukkan loan to deposit ratio, loan to asset ratio, dan non performing loan tidak berpengaruh signifikan terhadap tingkat likuiditas. Kata kunci : Loan to deposit ratio, loan to asset ratio, non performing loan, dan tingkat likuiditas.

This study examine the influence of loan to deposit ratio, loan to asset ratio, and non performing loan to liquidity rate on business in banking Jakarta Stock Exchange. The objective of this study examines the influence of loan to deposit ratio, loan to asset ratio, and non performing loan to liquidity rate on business in banking. Population on this study are banking firm listed on Jakarta Stock Exchange (JSX) from 2003-2005 period. The method of data collection is purposive sampling and there are 10 sample companies. The statistical method used in this research is multiple linear regression method. The regression analysis was carried out after the model was free from classical assumptions: multicoliniearity, autocorrelation, and heteroskedastisity. The result of this study show that loan to deposit ratio, loan to asset ratio, and non performing loan are insignificant of liquidity rate. Keywords : Loan to deposit ratio, loan to asset ratio, non performing loan, and liquidity rate.

Kata Kunci : Loan to Deposit Ratio, Loan to Asset Ratio, Non Performing Loan, Likuiditas Bank