Profitabilitas Bank Perkreditan Rakyat Di Kota Padang Di Tinjau Dari Rasio Likuiditas

Abstract

<p><em>The purpose of this study is to examine the effect of liquidity as measured by LDR (Loan to Deposit Ratio) and Loan to Asset Ratio on the profitability (Return on Asset) of Rural Bank (BPR) in Padang City. The data used are secondary data obtained by documentation method taken from publication reports of Bank Indonesia and Rural Banks in Padang City during the period of 2010 - 2015 quarter. The population used in this study are all existing BPR in Padang city and sample selection Based on purposive sampling with the number of 93 observations. Data analysis was done by using multiple linear regression. The results showed that the liquidity measured by the ratio of LDR and LAR did not significantly affect the profitability (ROA) of BPR in Padang City.</em></p><p><em><br /></em></p>

Research on the Profitability of Rural Banks in Indonesia: A Comparative Study

“…However, it is found that there were only two type of analysis tools that have been used intensively by them i.e., multiple linear regression and panel data regression (Table 1). The other tool of analysis was a path analysis used by Wardani [17] Researchers who were using a multiple linear regression in their studies were Afriyeni [11]Afriyeni and Fernos [1]Agustini and Budiasih [7], Anggraeni [12], Astohar and Sumiyanti [13]Aziri et al [18], Cahyono [9] Gustika [14] Hanifa et al [19], Pandoyo [10] Pertiwi and Suardhika [20] Putri et al [2] Sari [16] Simanjuntak [21], Wardhani and Ismunawan [17] and Yuliati et al [22] Meanwhile, studies undertaken using a panel data regression were Azizah and Masdjojo [23] Maryadi and Basuki [15], Sahfitri [3] Sakat [5] and Sofyan [6] Multiple linear regression is principally easier to apply if compared to panel data regression in the context of data inputting, estimation processing, and also interpretation. These factors are probably become one of the main reasons for most of the researchers to utilize it.…”

“…a bank's performance is closely related to its functions and roles. [11] A successful bank will be able to create profit as an achievement of the management. The performance of a bank is highly dependent on the capability of the management.…”

“…In the context of dependent variable, it was found that almost all researchers have used ROA as the only dependent variable to represent the profitability, although from the conceptual perspective, the profitability can be represented also by the Return on Equity (ROE). The researchers who have utilized ROA as a dependent variable were include [1,2,4,[6][7][8][9][10][11][12][13]15,[17][18][19][20]22,23] However, this study also found that there were researchers who have used more than one dependent variable to represent BPR's profitability. [14] for example, has used ROA, ROE, and Net Profit Margin (NPM) to represent BPRs' profitability in Simpang Empat District, Tanah Bumbu Regency, South Kalimantan Province.…”

Analisis Rasio Likuiditas Pada Pt. Bank Perkreditan Rakyat (Bpr) Nagari Kasang

“…Masalah likuiditas harus diamati agar bank dapat menjaga kredibilitasnya. Tingkat likuiditas yang tinggi dapat menyebabkan bank tidak mampu untuk menjaga kinerja operasionalnya, maka dapat menyebabkan bank dilikuidasi (Afriyeni, 2017). Penilaian likuiditas dimaksudkan untuk mengevaluasi kemampuan Bank memelihara tingkat likuiditas yang memadai dan kecukupan manajemen resiko likuiditas (Putri & Marlius, 2018).…”

Analisis Rasio Profitabilitas Pada Pt. Bank Perkreditan Rakyat (Bpr) Cempaka Mitra Nagari Padang

“…Penggunaan profitabilitas bagi bank maupun pihak luar bank bertujuan untuk menghitung laba yang didapat oleh bank dalam periode tertentu, menilai perkembangan laba dari waktu ke waktu, serta mengukur produktifitas dari seluruh dana bank yang dipergunakan baik modal pinjaman ataupun modal sendiri. Menurut (Afriyeni, 2017) rasio profitabilitas menunjukan kemampuan manajemen perusahaan menciptakan keuntungan. Keuntungan pada tingkat yang maksimal menjadi tujuan utama dalam operasional bank.…”