THE INFLUENCE OF PROMOTION EXPENSES, SAVINGS, AND FINANCIAL RATIOS TO DIBURSED LOANS ON BANK PEMBANGUNAN DAERAH IN INDONESIA
Universitas Gunadarma
Indonesia
Universitas Gunadarma
Indonesia
Abstract
Bank as financial intermediaries have a vital function, which is collecting and distributing funds. This research is focused on disbursed loans, because it is an activity that generates the greatest income for a bank and can help public who need funds. This research is aimed to examine the influence of promotion expenses, savings, while Capital Adequacy Ratio (CAR), Gross Non Performing Loan (Gross NPL), and Return on Asset (ROA) as proxy of financial ratios in this research to disbursed loans. The objects of this research are Bank Pembangunan Daerah (BPDs) listed in Bank Indonesia (BI) and published their annual reports and financial statements which have been audited by the Public Accountants' Office in the period 2008-2012 as samples. The sampling technique uses purposive sampling with specific criteria, so that 12 BPDs are selected. The analytical method uses multiple regression analysis with SPSS version 20. The results of this research show that promotion expenses have influence on disbursed loans partially on the BPDs, savings have influence on disbursed loans, CAR has influence on disbursed loans, Gross NPL has no influence on disbursed loans, and ROA has no influence on disbursed loans. Independent variables (promotion expenses, savings, CAR, Gross NPL, and ROA) have influences on disbursed loans simultaneously on the BPDs.
Keywords
References
Almilia, L. S and Winny Herdinigtyas. (2005). “Analisis Rasio terhadap Prediksi Kondisi Bermasalah pada Lembaga Perbankan Periode 2000-2002.” Jurnal Akuntansi dan Keuangan. STIE PERBANAS Surabaya 7(2), 131-147.
Ayu, F. D. A, Saryadi, and Andi Wijayanto. (2012). “Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Non-Performing Loan, Return on Assets dan Loan to Deposit Ratio terhadap Volume Disbursed loans Bank Persero (Studi Empirik pada Bank Persero di Indonesia Periode 2006-2011).” Jurnal. Universitas Diponegoro.
Danibrata, Aulia. (2011). “Pengaruh Integrated Marketing Communication terhadap Brand Equity pada Sebuah Bank Pemerintah di Jakarta.” Jurnal Bisnis dan Akuntansi, STIE Trisakti,13(1), 21-38.
Handayani, P.S. (2005). Analisis Perbandingan Kinerja Bank Nasional, Bank Campuran dan Bank Asing dengan Menggunakan Rasio Keuangan. Tesis, Universitas Diponegoro.
Hasanudin, Mohamad and Prihatiningsih. (2010). “Analisis Pengaruh Dana Pihak Ketiga, Tingkat Suku Bunga Kredit, Non Performance Loan (NPL), dan Tingkat Inflasi terhadap Penyaluran Kredit Bank Perkreditan Rakyat (BPR) di Jawa Tengah.” Jurnal Teknis, Universitas Negeri Semarang, 5(1), 25-31.
Lausu, J.O. (2011). Strategi Promosi PT Bank Syariah Mega Indonesia Cabang Rawamangun dalam Meningkatkan Pembiayaan Murabahah. Skripsi. Universitas Islam Negeri Syarif Hidayatullah, Jakarta.
Manulu, Sahala and Norman Sitinjak. (2012). “Keterkaitan Insider Ownership dan Prediksi Kinerja Perbankan di Bursa Efek Indonesia.” Jurnal Keuangan dan Perbankan, Universitas Ma Chung-Malang dan Universitas Merdeka- Malang, 16(3),426-436.
Meydianawati, L. G. (2006). “Analisis Perilaku Penawaran Kredit Perbankan Kepada Sektor UMKM di Indonesia.” Jurnal Buletin Studi Ekonomi, 12(2).
Mukhlis. Imam. (2011). “Penyaluran Kredit Bank Ditinjau dari Jumlah Dana Pihak Ketiga dan Tingkat Non Performing Loan.” Jurnal Keuangan dan Perbankan, Universitas Negeri Malang 15(1), 130-138.
Oktavia, S. R. (2010). Analisis Pengaruh BI Rate, Inflasi dan Jumlah Uang Beredar terhadap Capital Adequacy Ratio dan Implikasinya terhadap Penawaran Kredit Modal Kerja Bank Umum Swasta Nasional. Skripsi. Universitas Islam Negeri.
Putra, A.C.R. (2013). “Pengaruh Promosi terhadap Volume Penjualan Produk Dana Tabungan pada PT Bank Riau-Kepri Cabang Utama Pekan Baru.” Jurnal, Universitas Riau.
Sari, G. N. (2013). “Faktor-faktor yang Mempengaruhi Penyaluran Kredit Bank Umum di Indonesia Periode 2008-2012.” Jurnal EMBA, Universitas Sam Ratulangi Manado, 1(3), 931-941.
Sari, R. A. (2008). Persepsi Nasabah terhadap Kegiatan Promosi Penjualan Produk Tabungan Monas PT Bank DKI. Skripsi. Universitas Indonesia.
Suprapto. (2012). “Pengaruh Jumlah Kredit yang Disalurkan Kepada Pihak Ketiga dan Penyisihan Kerugian Pemberian Kredit terhadap Return on Equity pada Perusahaan Perbankan Go Publik.” Jurnal Ilmu Ekonomi dan Sosial Universitas Mercu Buan, 1(2), 174-183.
Yoga, G. A. D. M and Ni Nyoman Y. (2013). “Faktor-faktor yang Memengaruhi Penyaluran Kredit BPR di Provinsi Bali.” E-Jurnal Ekonomi Pembangunan Universitas Udayana, 2(6).
Faculty of Economy
