FACTORS AFFECTING THE DISTRIBUTION OF CREDIT AND WITHDRAWAL OF THIRD PARTY / LOAN TO DEPOSIT RATIO AT BPR WORKING AREA IN OFFICES OF BANK INDONESIA SEMARANG

Nasiruddin, Nasiruddin (2018) FACTORS AFFECTING THE DISTRIBUTION OF CREDIT AND WITHDRAWAL OF THIRD PARTY / LOAN TO DEPOSIT RATIO AT BPR WORKING AREA IN OFFICES OF BANK INDONESIA SEMARANG. Proceeding International Conference of Business, Accounting and Economy (ICBAE UMP 2018).

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Abstract

This study aims to analyze the factors that affect the Loan to Deposit Ratio (LDR) in BPR Working Area in Office Bank Indonesia Semarang period 2017.Thepopulation in this study is BPR included in the working area of Bank Indonesia office in Semarang, about 366 BPR. In this study, the population is existing research in 2017. The sampling technique by using simple random sampling method. The number of samples that will be used in this study amount 79 BPR in the working area of Bank Indonesia Semarang. Data obtained from the data of financial statements issued by Bank Indonesia, the data of reports from Economic and Financial Statistics, published monthly by BI office in Semarang, Regional Economic Analysis Reports in Central Java province during the third quarter of 2017, and Mandatory Reports BPR. The analysis technique used is multiple regression and hypothesis test by using t test and F test to test the truth of influence together with a significance level of 5%. The analysis showed that the variable rate of capital adequacy significantly influence LDR BPR Central Java, variable nonperforming loans significantly influence LDR BPR Central Java, variable of mortgage interest rates have a significant effect on LDR at BPR/Rural Bank of Java Central. The predictive ability of these three variables with the value of adjusted R square of 0.916. This means the variations BPR variable as the dependent variable can be explained by variations in the independent variables are CAR, NPL and lending rates by 91% while the rest influenced by other variables outside this research.

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