ENGARUHRASIO LDR, IPR, APB, NPL, PPAP, NIM, IRR DAN PDN TERHADAP TINGKAT EFISIENSI PADA BANK PEMBANGUNAN DAERAH
Daftar Isi:
- This research aims to determine whether the LDR, IPR, APB, NPL,PPAP, NIM, IRR and PDN have significant influence simultaneously and partially to Efficiency Level (BOPO) at The Regional Banks.Data collection method that being used in this research is secondary data that taken from financial report of The Regional Banks quarterly, started from the first quarter period of 2008 until the second quarter period of 2012. The technique of data analyzing in this research is descriptive analyze and usingmultiple linear regression analyze, F test and t test. The research sample determination criteria is four Regionals Banks that has the asset total between 25,000 billion to 35,000 billion rupiahs on June 2012. Based on criteria, sample that being used are BPD Kaltim, PT. BPD Jatim, PT. BPD Jateng and BPD DKI.The result of research shows that LDR, IPR, APB, NPL, PPAP, NIM,IRR and PDN have significant influence simultaneously to Efficiency Level (BOPO) at The Regional Banks. LDR, IPR, APB and PDN partially have positive unsignificant influence to Efficiency Level (BOPO) at The Regional Banks. NIM and IRR partially have negative significant influence to Efficiency Level (BOPO)at The Regional Banks. NPL and PPAP partially have negative unsignificant influence to Efficiency Level (BOPO) at The Regional Banks and NIM have dominant influence to Efficiency Level (BOPO) at The Regional Banks. Key words : LDR, IPR, APB, NPL, PPAP, NIM, IRR, PDN and BOPO.