Pengaruh Kualitas Aktiva Produktif Dan Kredit Bermasalah Terhadap Profitabilitas PT. Bank Tabungan Pensiunan Nasional, Tbk
Abstracts: This study aims to
analyze the influence and relationship Assets Quality and Profitability NPL
against PT. National Savings Bank (BTPN), Tbk Quarter Year during the period
2010-2012. NPL is the amount of credit that are not collectible in the
classification of loans classified as substandard, doubtful and loss,
penilaianya by using the ratio of non-performing loans (NPL). Both of these
variables is a key indicator of PT. BTPN, Tbk in gaining profit. Profitability
can be measured by using the ratio of Return on Assets (ROA). In penilaianya
KAP and NPL showed that the lower the company's financial performance is
getting better and the effect on Increased ROA, ROA ratio the higher the value
the more profitable the company. The results of the data analysis show the
value of the firm and NPL PT. BTPN, Tbk is able to be compressed quite low in
accordance with the provisions stipulated by Bank Indonesia (BI), KAP and NPL
PT. BTPN, Tbk capable suppressed resulting in increased company profits. Test
Results of Multiple Regression Statistics show that the simultaneous Assets
Quality and Non Performing Loans (NPL) have a significant effect on the
profitability (ROA), amounting to 90.5% Profitability is affected by the
variables studied and the remaining 9.5% is influenced by variables that are
not diteleti. Partial regression test results showed NPL effect on ROA of
1.46%, while the firm is very strong in the amount of 89.04% on ROA. If the
variable KAP and NPL bernilan 0% (zero) then the variable ROA is worth 6%,
every 1% decrease in NPL variable will increase ROA of 0.62% and each 1%
decrease in KAP variables will increase by 1.235% ROA. Overall the results of
the data analysis in this study PT. BTPN, Tbk showed positive financial
performance and profitable.
Penulis: Gabriela Mike Ineke
Eman
Kode Jurnal: jpadministrasinegaradd130848
