PENGARUH DPK, CAR, DAN NPL MELALUI LDR SEBAGAI VARIABEL INTERVENING TERHADAP PROFITABILITAS BANK (Studi pada bank terbesar di Asia Tenggara periode 2012-2016)

C ZELIN WINDA AYU PANGESTIKA, MUSDHOLIFAH

Abstract


Thei aimi ofi thisi researchi isi toi identifyi Deposits, Capitali Adequacyi Ratioi (CAR), andi Noni Performingi Loani (NPL) i throughi Loani toi Depositsi Ratioi (LDR) iasiinterveningi variablei toi profitabilityi ofi Southi Easti Asia’s largesti banki ini 2012-2016. ROAi isi dependenti variablei ini thisi researchi asi profitabilityi indicator. Therei arei threei independenti variablesi thati used, whichi arei Deposits, iCAR, iNPL, iand ani interveningi variablei whichi isi LDR. Samplingi techniquei usedi isi purposivei samplingi withi criteriai asi thei largesti banki ini South East Asia providingi annuali reporti thati usedi fori researchi variablesi ati websitesi banki ini eachi South East Asia countryi duringi periodi 2012-2016. Obtainedi byi amounti samplei asi muchi 19i companiesi from 20 bankingi companyi South East Asia’s largest bank in 2012-2016 period. Analyzedi with PathiAnalysis technique. Thei dataiis analyzedi usingi SmartPLS 3 program. Thei resulti of thisi studyi provingi thati Deposits and iNPL havei an effecti oni LDR. CARi hasi noi effecti oni LDR. Depoosits, iCAR, and iNPL havei ani effecti on iprofitability. LDRi has noi effect on profitability. Then, therei is noti variablei whichi has significanti relationship towardi ROA imediated by iLDR as iintervening ivariable. The reason for the growth of credit in Southeast Asias largest bank in 2012-2016 period is not able to mediate implying that credit has a high risk so that the bank must have a large capital to be able to cover in case of loss.

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