The effect of financial performance on state-owned banks credit in Indonesia
Abstrak Penelitian ini mengkaji pengaruh kinerja keuangan terhadap kredit perbakan BUMN di Indonesia. Perbankan yang terpilih menjadi objek penelitian adalah Bank Rakyat Indonesia (BRI), Bank Nasional Indonesia (BNI), Bank Mandiri dan Ban Tabungan Negara Indonesia (BTN). Data yang digunakan adalah...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
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Master Program in Economics, Graduate Program of Universitas Jambi
2017-06-01
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| Series: | Jurnal Perspektif Pembiayaan dan Pembangunan Daerah |
| Online Access: | https://online-journal.unja.ac.id/index.php/JES/article/view/3808 |
| _version_ | 1811227867739062272 |
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| author | Syamsurijal Tan Lidya Anggraeni |
| author_facet | Syamsurijal Tan Lidya Anggraeni |
| author_sort | Syamsurijal Tan |
| collection | DOAJ |
| description | Abstrak
Penelitian ini mengkaji pengaruh kinerja keuangan terhadap kredit perbakan BUMN di Indonesia. Perbankan yang terpilih menjadi objek penelitian adalah Bank Rakyat Indonesia (BRI), Bank Nasional Indonesia (BNI), Bank Mandiri dan Ban Tabungan Negara Indonesia (BTN). Data yang digunakan adalah data panel yaitu data sekunder tahunan yang diinterpolasi dalam data per triwulan, yang bersumber dari otoritas jasa keuangan, Bank Indonesia, Bappenas, BPS dan publikasi resmi lainnya. Pengaruh variabel bebas terhadap jumlah kredit diestimasi menggunakan regresi berganda metode Random Effect Model (REM. Hasil Penelitian menunjukkan bahwa perkembangan rata-rata kinerja keuangan perbankan BUMN mengalami fluktuasi dan mengalami variasi masing-masing Bank, sedangkan hasil pengujian menggunakan data panel semi log dengan model REM menunjukkan bahwa variabel non performing loan dan loan to deposit ratio memiliki pengaruh positif dan signifikan terhadap variabel jumlah kredit perbankan BUMN di Indonesia, sementara itu return on assets tidak berpengaruh signifikan.
Kata Kunci : Dana pihak ketiga, NPL, LDR,ROA, dan Kredit Perbankan BUMN
Abstract
This study examines the effect of financial performance on state-owned banks credit in Indonesia. Banks selected to be analyzed are Bank Rakyat Indonesia (BRI), Bank Nasional Indonesia (BNI), Bank Mandiri, and Bank Tabungan Negara Indonesia (BTN). Panel data used is annual secondary data interpolated into quarterly data from Financial Services Authority, Bank Indonesia, The National Development Planning Agency or BadanPerencanaan Pembangunan Nasional (Bappenas), Central Bureau of Statistics or Badan (BPS), and other official publications. The influence of independent variables to the amount of credit is estimated using multiple regression, Random Effects Model (REM). The result of the study indicates that all state-owned banks had fluctuations in financial performance growth and it is different for all banks, while the test results using semi-log panel data with REM shows that non-performing loan (NPL) variable and loan to deposit ratio (LDR) variable have a significant positive effect to the state-owned banks credit in Indonesia. Meanwhile, Return On Assets (ROA) variable has no significant effect.
Key words: Third party funds, NPL, LDR, ROA, State-owned banks credit |
| first_indexed | 2024-04-12T09:49:13Z |
| format | Article |
| id | doaj.art-be43ddc572ce43c7a80554945a2dd7a7 |
| institution | Directory Open Access Journal |
| issn | 2338-4603 2355-8520 |
| language | English |
| last_indexed | 2024-04-12T09:49:13Z |
| publishDate | 2017-06-01 |
| publisher | Master Program in Economics, Graduate Program of Universitas Jambi |
| record_format | Article |
| series | Jurnal Perspektif Pembiayaan dan Pembangunan Daerah |
| spelling | doaj.art-be43ddc572ce43c7a80554945a2dd7a72022-12-22T03:37:52ZengMaster Program in Economics, Graduate Program of Universitas JambiJurnal Perspektif Pembiayaan dan Pembangunan Daerah2338-46032355-85202017-06-014425927010.1234/ppd.v4i4.38083808The effect of financial performance on state-owned banks credit in IndonesiaSyamsurijal Tan0Lidya Anggraeni1Master Program in Economics, Jambi UniversityMaster Program in Economics, Jambi UniversityAbstrak Penelitian ini mengkaji pengaruh kinerja keuangan terhadap kredit perbakan BUMN di Indonesia. Perbankan yang terpilih menjadi objek penelitian adalah Bank Rakyat Indonesia (BRI), Bank Nasional Indonesia (BNI), Bank Mandiri dan Ban Tabungan Negara Indonesia (BTN). Data yang digunakan adalah data panel yaitu data sekunder tahunan yang diinterpolasi dalam data per triwulan, yang bersumber dari otoritas jasa keuangan, Bank Indonesia, Bappenas, BPS dan publikasi resmi lainnya. Pengaruh variabel bebas terhadap jumlah kredit diestimasi menggunakan regresi berganda metode Random Effect Model (REM. Hasil Penelitian menunjukkan bahwa perkembangan rata-rata kinerja keuangan perbankan BUMN mengalami fluktuasi dan mengalami variasi masing-masing Bank, sedangkan hasil pengujian menggunakan data panel semi log dengan model REM menunjukkan bahwa variabel non performing loan dan loan to deposit ratio memiliki pengaruh positif dan signifikan terhadap variabel jumlah kredit perbankan BUMN di Indonesia, sementara itu return on assets tidak berpengaruh signifikan. Kata Kunci : Dana pihak ketiga, NPL, LDR,ROA, dan Kredit Perbankan BUMN Abstract This study examines the effect of financial performance on state-owned banks credit in Indonesia. Banks selected to be analyzed are Bank Rakyat Indonesia (BRI), Bank Nasional Indonesia (BNI), Bank Mandiri, and Bank Tabungan Negara Indonesia (BTN). Panel data used is annual secondary data interpolated into quarterly data from Financial Services Authority, Bank Indonesia, The National Development Planning Agency or BadanPerencanaan Pembangunan Nasional (Bappenas), Central Bureau of Statistics or Badan (BPS), and other official publications. The influence of independent variables to the amount of credit is estimated using multiple regression, Random Effects Model (REM). The result of the study indicates that all state-owned banks had fluctuations in financial performance growth and it is different for all banks, while the test results using semi-log panel data with REM shows that non-performing loan (NPL) variable and loan to deposit ratio (LDR) variable have a significant positive effect to the state-owned banks credit in Indonesia. Meanwhile, Return On Assets (ROA) variable has no significant effect. Key words: Third party funds, NPL, LDR, ROA, State-owned banks credithttps://online-journal.unja.ac.id/index.php/JES/article/view/3808 |
| spellingShingle | Syamsurijal Tan Lidya Anggraeni The effect of financial performance on state-owned banks credit in Indonesia Jurnal Perspektif Pembiayaan dan Pembangunan Daerah |
| title | The effect of financial performance on state-owned banks credit in Indonesia |
| title_full | The effect of financial performance on state-owned banks credit in Indonesia |
| title_fullStr | The effect of financial performance on state-owned banks credit in Indonesia |
| title_full_unstemmed | The effect of financial performance on state-owned banks credit in Indonesia |
| title_short | The effect of financial performance on state-owned banks credit in Indonesia |
| title_sort | effect of financial performance on state owned banks credit in indonesia |
| url | https://online-journal.unja.ac.id/index.php/JES/article/view/3808 |
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