The Effect Of Earning Assets Quality And Non-Performing Loans To The Profitability In The Rural Banks (BPR) Of Medan Municipality In 2014-2016

Laelis Neni, Lily Karlina Nasution, Mayang Murni

Sari


Every credit disbursed by a bank always has a risk. This credit will directly impact to the value of the impaved credit itself. The high level of bad debts meant the deterioration of the quality of earning assets (QEA) in the banking system subsequently leads to a decline in the ability of banks to make profits. The purpose of this study was to search the influence of QEA and impaired debts on profitability in the rural banks, either partially or simultaneously. This study used financial data of nine rural banks (BPR) in Medan Municipality during the period 2014-2016. The data analyzed by using classical assumptions and multiple regression tests while the data processing used SPSS tools. The results of this research were that partially for QEA and non-performing loans (NPL) did not affect ROA profitability and simultaneously the quality of earning assets and NPL impaired debts did not affect the profitability of ROA with a value of f equal to 0 594 with Sig 0 563 0 05

Keywords: Earning Asset Quality, Non-Performing Loans, Profitability

Teks Lengkap:

PDF

Referensi


Dendawijaya, Lukman 2009, Manajemen Perbankan, Bogor : Ghalia Indonesia.

Ghozali, Imam. 2011. “Analisis Multivariate dengan Program SPSS”. Semarang. Badan Penerbit Universitas Diponegoro.

Harahap , Sofyan Syafri. 2015. Analisis Kritis atas Laporan Keuangan.Jakarta : Grafindo Persada

Hermanto, Bambang, dan Agung, Mulyo. (2012). Analisa Laporan Keuangan,Jakarta : Lentera Ilmu Cendekia

Kasmir. 2008. Bank dan Lembaga Keuangan Lain. Jakarta : PT. RajaGrafindo Persada.

Mike, Gabriela Ineke Enam. 2013. Pengaruh Kualitas Aktiva Produktif dan Kredit Bermasalah Terhadap Profitabilitas Pada Bank Tabungan Negara Tb. Manado. Universitas Sam Ratulangi

Peraturan Bank Indonesia Nomor 6/10/PBI/2004 tanggal 12 April 2004 tentang Sistem Penilaian Tingkat Kesehatan Bank Umum (Lembaran Negara Republik Indonesia Tahun 2004 Nomor 38

Sari, Puspita. 2014. “Pengaruh Current Ratio, Net Profit Margin, Return On Assets, Debt To Equity Ratio, Total Assets Turnover Dan Earning Per Share Terhadap Harga Saham (Studi Pada Perusahaan Industri Barang Konsumsi Yang Go Public Di Bursa Efek Indonesia Pada Periode Tahun 2010 – 2013)”. Tanjungpinang. Universitas Maritim Raja Ali


Refbacks

  • Saat ini tidak ada refbacks.

Komentar di artikel ini

Lihat semua komentar


pISNN : 2355 - 701X

eISNN : 2540 - 8389

Creative Commons License This journal is licensed under a Creative Commons Attribution 4.0 International License

Flag Counter