PENGARUH DANA PIHAK KETIGA, LDR, DAN BI RATE SEBAGAI VARIABEL MODERASI TERHADAP KINERJA KEUANGAN PADA BANK PEMBIAYAAN RAKYAT DI SURABAYA

SARI, SHINTA KARUNIA (2013) PENGARUH DANA PIHAK KETIGA, LDR, DAN BI RATE SEBAGAI VARIABEL MODERASI TERHADAP KINERJA KEUANGAN PADA BANK PEMBIAYAAN RAKYAT DI SURABAYA. Undergraduate thesis, STIE PERBANAS SURABAYA.

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Abstract

BPR is a bank conducting business in conventional and islamic banking services but offered more narrow or limited. The number of rural banks decreased but increased lending. This study aims to analyze the influence of third party funds and loan to deposit ratio on the financial performance and BI Rate as moderation. Sample used in this research is financial report of seven BPR in Surabaya during 2010-2012 with quarterly data. A model and a method for the analysis is multiple regression analysis and moderated regression analysis.The result are firstly, from sig F has 0.001 is smaller than 0.05 so it could be said that the independent variables can gives simultant contribution to dependent variable. Finaly, based on sig t DPK had no significant effect on ROA but LDR significant effect on ROA, and BI Rate both DPK and LDR moderating influence on ROA . The results of the analysis in this study suggests that in assessing the performance of BPR, a high amount of public funds is not a benchmark to obtain high profits as well.The study also shows that the financial performance of rural banks in Surabaya in general efficiently so as to maximize the value of income from funds loaned to the community. Increased BI Rate to increase public interest to place their funds. Improvement is what makes the banks have more funds to be channeled back to the community so as to bring in a profit for the bank. Keywords: DPK, LDR, BI Rate, ROA, BPR

Item Type: Thesis (Undergraduate)
Subjects: 600 - TECHNOLOGY > 657 - ACCOUNTING > 657.042 - FINANCIAL ACCOUNTING
Divisions: Bachelor of Accountancy
Depositing User: ULFA KURNIA SARI
Date Deposited: 15 May 2017 10:05
Last Modified: 15 May 2017 10:05
URI: http://eprints.perbanas.ac.id/id/eprint/1163

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