ANALISIS PENGARUH KUALITAS AKTIVA PRODUKTIF DAN TINGKAT SUKU BUNGA KREDIT TERHADAP KEUNTUNGAN BANK

ARDIASTUTI, RISKA (2010) ANALISIS PENGARUH KUALITAS AKTIVA PRODUKTIF DAN TINGKAT SUKU BUNGA KREDIT TERHADAP KEUNTUNGAN BANK. Other thesis, University of Muhammadiyah Malang.

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Abstract

This research is limited to the problem of earning asset quality and loan interest rates in affecting bank profits. This analysis is measured by profitability ratios of ROE (Return On Equity) on the banks to go public on the Indonesian Stock Exchange in the period 2003­2008. The purpose of this study is to determine the effect of the proportion of quality in earning assets and interest rates of loans to bank profitability that listed in Indonesia Stock Exchange (BEI). The independent variables in this study is the quality in earning assets and interest rates on credit. Both of these variables investigated by partial effects (individual) and simultaneously (shared) to the dependent variable is profitability. Data from each variable were taken with the technical documentation by the end of the period during the years 2003­2008. Analisinyatechnique uses multiple linear regression. From the test results of significance test shows that the variable f earning asset quality and loan interest rates simultaneously significant effect on profitability as indicated by an f count 31.109> F table 4.050 at α = 5%. T test results showed that the quality in earning assets and the variable loan interest rate is partially a significant effect on profitability. Earning asset quality variable has a value of 2.729 t count> t table 1.9944 at α = 5%. While mortgage interest rates have t value 4.484> t table 1.9944 at α = 5%. Coefficient of determination (R ²) is 47.4%, this suggests quality in earning assets and the variable interest rate loans are able to explain 47.4% to 52.6%, while profitability is explained by other variables not included in this research model. From the whole analysis can be concluded that the greater the quality in earning assets and interest rates on loans will be greater the profitability of a bank

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Economics and Development Studies
Depositing User: Anwar Jasin
Date Deposited: 19 Mar 2012 12:10
Last Modified: 19 Mar 2012 12:10
URI: http://eprints.umm.ac.id/id/eprint/559

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