Banyaknya bank yang dilikuidasi ter

Banyaknya bank yang dilikuidasi tersebut memang risiko yang harus ditanggung, yang menyebabkan kerugian bagi bank tersebut. Salah satu risiko yang terjadi dilikuidasi adalah risiko kredit yang tercermin dalam besarnya rasio kredit bermasalah atau Non Perfoming Loan (NPL). Penelitian ini bertujuan untuk menguji secara empiris pengaruh bank size, LDR, CAR, pertumbuhan GDP dan laju inflasi terhadap Non Performing Loan pada perusahaan perbankan di Bursa Efek Indonesia periode 2010 - 2012.
Populasi dalam penelitian ini adalah perusahaan perbankan di Bursa Efek Indonesia (BEI) selama periode 2010 – 2012 sebesar 32 perusahaan. Berdasarkan teknik pengambilan sampel purposive samping, yaitu teknik dengan pertimbangan tertentu, maka diperoleh jumlah sampel sebesar 31 perusahaan. Alat analisis yang digunakan adalah regresi linier berganda, dimana sebelumnya dilakukan uji persyaratan yaitu uji asumsi klasik.
Berdasarkan dari uji asumsi klasik yang telah dilakukan, tidak ditemukan adanya penyimpangan. Hal tersebut menunjukkan bahwa data yang tersedia memenuhi syarat untuk dilakukan uji regresi linier berganda. Dan dari hasil uji regresi linier berganda menunjukan hasil Bank Size,CAR,Pertumbuhan GDP dan Laju Inflasi berpengaruh signifikan terhadap Non –Performing Loan, sedangkan untuk LDR berpengaruh tidak signifikan terhadap Non- Performing Loan. Prediksi dari kelima variabel tersebut terhadap NPL sebesar 18,2% sedangkan sisanya sebesar 81,2% dijelaskan variabel lain yang tidak diteliti dalam penelitian ini.

Kata Kunci : Bank Size, Loan Deposit Ratio, Capital Adequacy Ratio, pertumbuhan GDP, laju inflasi dan Non Performing Loan.

Hasil (Inggris) 1:

Many banks are liquidated is the risk to be borne, which caused losses for the bank. One of the risks that occur liquidated credit risk is reflected in the magnitude of the ratio of problematic or Non performing arts Credit Loan (NPL). This study aims to test empirically the influence of bank size, LDR, CAR, growth of GDP and inflation rate against Non Performing Loan on a banking company in Indonesia by PhraseFinder" style="border: none !important; display: inline-block !important; text-indent: 0px !important; float: none !important; font-weight: bold !important; height: auto !important; margin: 0px !important; min-height: 0px !important; min-width: 0px !important; padding: 0px !important; text-transform: uppercase !important; text-decoration: underline !important; vertical-align: baseline !important; width: auto !important; background: transparent !important;">stock exchange period 2010-2012. The population in this research is a banking company in Indonesia by PhraseFinder" style="border: none !important; display: inline-block !important; text-indent: 0px !important; float: none !important; font-weight: bold !important; height: auto !important; margin: 0px !important; min-height: 0px !important; min-width: 0px !important; padding: 0px !important; text-transform: uppercase !important; text-decoration: underline !important; vertical-align: baseline !important; width: auto !important; background: transparent !important;">stock exchange (idx) over the period 2010 – 2012 of 32 companies. Purposive sampling technique based on side, namely techniques with particular considerations, then obtained a total sample of 31 companies. Analysis tools are used multiple linear regression, where previously done test requirements that a classic assumption test. Based on the classical assumptions of the test has been done, not found any irregularities. It shows that the available data are eligible for multiple linear regression test done. And from the results of multiple linear regression test results showed the Bank Size, CAR, growth of GDP and inflation rate influence significantly against Non-Performing Loan, while for LDR influential not significantly to Non-Performing Loan. Prediction of the five variables to the NPL amounting to 18.2% while the rest amounted to 81.2% described other variables which are not examined in this study.Keywords: Bank Deposit, Loan Size Ratio, Capital Adequacy Ratio, the growth of GDP, the rate of inflation and the Non Performing Loan.

Hasil (Inggris) 2:

The number of by PhraseFinder" style="border: none !important; display: inline-block !important; text-indent: 0px !important; float: none !important; font-weight: bold !important; height: auto !important; margin: 0px !important; min-height: 0px !important; min-width: 0px !important; padding: 0px !important; text-transform: uppercase !important; text-decoration: underline !important; vertical-align: baseline !important; width: auto !important; background: transparent !important;">liquidated banks are indeed risks involved, which led to losses for the bank. One of the risks that occur liquidated by PhraseFinder" style="border: none !important; display: inline-block !important; text-indent: 0px !important; float: none !important; font-weight: bold !important; height: auto !important; margin: 0px !important; min-height: 0px !important; min-width: 0px !important; padding: 0px !important; text-transform: uppercase !important; text-decoration: underline !important; vertical-align: baseline !important; width: auto !important; background: transparent !important;">credit risk is reflected in the magnitude of the ratio of non-performing by PhraseFinder" style="border: none !important; display: inline-block !important; text-indent: 0px !important; float: none !important; font-weight: bold !important; height: auto !important; margin: 0px !important; min-height: 0px !important; min-width: 0px !important; padding: 0px !important; text-transform: uppercase !important; text-decoration: underline !important; vertical-align: baseline !important; width: auto !important; background: transparent !important;">loans or non-performing loan (NPL). This study aims to empirically examine the effect of bank size, LDR, CAR, GDP growth and inflation on non-performing loans in the banking company in Indonesia by PhraseFinder" style="border: none !important; display: inline-block !important; text-indent: 0px !important; float: none !important; font-weight: bold !important; height: auto !important; margin: 0px !important; min-height: 0px !important; min-width: 0px !important; padding: 0px !important; text-transform: uppercase !important; text-decoration: underline !important; vertical-align: baseline !important; width: auto !important; background: transparent !important;">Stock Exchange period 2010-2012.
The population in this study is a banking company in Indonesia by PhraseFinder" style="border: none !important; display: inline-block !important; text-indent: 0px !important; float: none !important; font-weight: bold !important; height: auto !important; margin: 0px !important; min-height: 0px !important; min-width: 0px !important; padding: 0px !important; text-transform: uppercase !important; text-decoration: underline !important; vertical-align: baseline !important; width: auto !important; background: transparent !important;">Stock Exchange (IDX) during the period 2010 - 2012 by 32 companies. Based side purposive sampling technique, which is a technique with certain considerations, then obtained a sample of 31 companies. The by PhraseFinder" style="border: none !important; display: inline-block !important; text-indent: 0px !important; float: none !important; font-weight: bold !important; height: auto !important; margin: 0px !important; min-height: 0px !important; min-width: 0px !important; padding: 0px !important; text-transform: uppercase !important; text-decoration: underline !important; vertical-align: baseline !important; width: auto !important; background: transparent !important;">analysis tool used is multiple linear regression, where previously conducted test requirements that classical assumption.
Based on the classical assumption that has been made, there were no irregularities. This shows that the available data do qualify for multiple linear regression. And of the results of multiple regression analysis of the results showed Bank Size, CAR, GDP Growth and Inflation significant effect on Non -Performing Loan, whereas for LDR not significant effect on Non-Performing Loans. Prediction of the five variables on the NPL by 18.2% while the remaining 81.2% is explained by other variables not examined in this study. Keywords: Bank Size, Loan Deposit Ratio, Capital Adequacy Ratio, GDP growth, inflation and Non Performing Loans.