PENGARUH NON PERFORMING LOAN (NPL), NET INTEREST MARGIN (NIM) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PERUBAHAN LABA PADA BANK DEVISA DAN BANK NON DEVISA DI INDONESIA TAHUN 2006-2010
ABSTRACT: The performance
of the company's
management expects higher
earnings changes and flexibility of company’s operation activities. Estimates of future earnings changes can be
made by analyzing financial
statements. In banking,
an increase in
profits can be
used by management to
improve or strengthen
its capital structure
to withstand such
profits. So the opportunity was the chance of funding that require
substantial funds can be readily handled by the bank. Samples of
this study was
taken in the
42 banks that
Divided into 26
foreign exchange banks and 16 non
bank foreign exchange with purposive
sampling methods. The data analyzed by
multiple regression tests
which previously performed test
of normality, the
assumption of classical test
irregularities
(multicollinearity,
autocorrelation and heteroscedasticity), hypothesis testing (t
and F) and test of coefficient determinations.
The results obtained
non-performing loans (NPLs)
and loan to
deposit ratio (LDR)
was not shown significant
negative effects and
changes on foreign
exchange earnings in the
banking system and
the Non-Foreign Exchange.
Net interest margin
(NIM) was not
shown significant positive effects on earnings of changes in Foreign
Exchange and Non-bank Foreign Exchange.
Keywords: Changes in Income, non-performing loans (NPL), Net
interest margin (NIM) and loan to deposit ratio (LDR)
Penulis: DHIAN ANDANARINI
MINAR SAVITRI
Kode Jurnal: jpmanajemendd110139
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