| Summary: | The research was conducted to evaluate the effect of loan collectibility
classified as current, special mention (DPK), substandard, doubtful, and bad to the
bank profitability that is proxied by Net Interest Margin (NIM).
The data in this research obtained by quoting Monthly Published Financial
Statements of Bank Indonesia at PT Bank Rakyat Indonesia (Persero) Tbk. from
2008 to 2010. The research method used in this research is multiple linear
regression, by testing hypotheses using t-statistics to test coefficients of partial
regression and also f-statistics to test the significance of influence collectively
with a significance level of 5%. Furthermore, a test on the classic assumption
which includes normality test, multicolinearity test, heteroscedastisity test and
autocorrelation test was also performed.
During the observation period indicates that the data research was
normally distributed. Based on multicolinearity test and heteroscedasticity test,
variable digressing of classic assumption was not found. Based on autocorrelation
test,variable digressing of assumption was found, but after the improvement of
data showed that there was no disgressing of autocorrelation, it indicates that the
available data are qualified to use multiple linear regression model.
Based on the results of the analysis indicate that current collectibility data
has a positive and significant effect on profitability, while collectibility in a
particular attention (DPK) has a negative and insignificant effect on profitability,
substandard collectibility has a positive and insignificant effect, for doubtful and
bad collectibility, both have a negative and significant effect on profitability. This
research can be used as a planning and management considerations in managing
the bank's earning assets to achieve optimal levels of profitability.
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