Pengaruh Non Performing Loan terhadap Loan To Deposit Ratio PT Bank Rakyat Indonesia (Persero) Tbk tahun 2011-2014

MERITA KATRINA SARI, Dra. Sufitri,M.M

2016 | Tugas Akhir | D3 MANAJEMEN SV

Non Performing Loan merupakan rasio yang menunjukkan besarnya kredit bermasalah yang terjadi di bank. Semakin tinggi Non Performing Loan suatu bank mengindikasikan bahwa bank harus semakin selektif dalam penyaluran kredit karena Non Performing Loan yang tinggi mengakibatkan risiko kredit yang tidak tertagih meningkat. Loan to Deposit Ratio merupakan rasio perbandingan antara jumlah dana yang disalurkan ke masyarakat (kredit) dengan jumlah dana masyarakat dan modal sendiri yang digunakan. Penulisan ini bertujuan untuk mengetahui pengaruh antara Non Performing Loan terhadap Loan to Deposit Ratio pada PT Bank Rakyat Indonesia (Persero) Tbk taun 2011-2014. Teknik analisis ini menggunakan uji regresi linear sederhana, uji koefisien korelasi, dan pengujian hipotesis. Hipotesis penulisan ini diduga memiliki pengaruh negatif dan signifikan. Dari hasil uji regresi linear sederhana mengasilkan persamaan regresi yaitu Y = 106,648 + 13,705X.

Non Performing Loan is a loan that is default or close to being in default. The higher the Non Performing Loan is a sign that the bank should be more selective in distribution of credit because the increasing of Non Performing Loan cause the increasing of non-payable credit. Loan to Deposit Ratio is a commonly used statistic for assesing a bank's liquidity by dividing the banks total loans by its total deposits. This research aims to find out the influence of Non Performing Loan to Loan to Deposit Ratio on PT Bank Rakyat Indonesia (Persero) Tbk in 2011-2014. Based on this case, the analysis method using Simple Linear Regression, Correlation Coefficient, and Hypotheses Testing. The hypotheses is predicted as negative and significant. The result of simple linear regression produces regression equity that is Y = 106,648 + 13,705X.

Kata Kunci : Non Performing Loan, Loan to Deposit Ratio, Uji Regresi Linear Sederhana, Uji Koefisien Korelasi, Pengujian Hipotesis.