PENGARUH PERTUMBUHAN KREDIT, EFISIENSI OPERASIONAL, DAN KECUKUPAN MODAL TERHADAP PROFITABILITAS PADA LEMBAGA PERKREDITAN DESA (LPD) DI KECAMATAN BANJARANGKAN, KLUNGKUNG, BALI

Ni Nyoman Ayu Dewi Sukariani; I Nyoman Gede Ustriyana; Ida Ayu Listia Dewi

doi:10.14710/agrisocionomics.v3i2.4686

DOI: https://doi.org/10.14710/agrisocionomics.v3i2.4686

PENGARUH PERTUMBUHAN KREDIT, EFISIENSI OPERASIONAL, DAN KECUKUPAN MODAL TERHADAP PROFITABILITAS PADA LEMBAGA PERKREDITAN DESA (LPD) DI KECAMATAN BANJARANGKAN, KLUNGKUNG, BALI

*Ni Nyoman Ayu Dewi Sukariani - Udayana University, Indonesia

I Nyoman Gede Ustriyana - Udayana University, Indonesia

Ida Ayu Listia Dewi - Udayana University, Indonesia

Citation Format:

Abstract

Pengembangan Lembaga Perkreditan Desa (LPD) dalam mendukung pembangunan nasional salah satunya adalah melalui LPD Kecamatan Banjarangkan, Klungkung, Bali. Dalam rangka mempertahankan dan meningkatkan kontinuitasnya, LPD juga memerlukan kinerja keuangan yang handal. Hal itu sejalan dengan prinsip keuangan berkelanjutan yang menekankan upaya agar laba usaha atau profitabilitas dapat ditingkatkan.

Penelitian ini dilakukan untuk mengetahui pengaruh pertumbuhan kredit (LDR), efisiensi operasional (BOPO), dan kecukupan modal (CAR) terhadap profitabilitas (ROA) LPD di tahun 2015-2017. Teknik penentuan sampel dalam penelitian ini dilakukan secara sensus, dan diperoleh 20 LPD. Teknik analisis yang digunakan adalah analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa pertumbuhan kredit berpengaruh positif dan signifikan terhadap profitabilitas, efisiensi operasional berpengaruh negatif dan signifikan terhadap profitabilitas, dan kecukupan modal berpengaruh negatif dan signifikan terhadap profitabilitas LPD di Kecamatan Banjarangkan, Klungkung Bali periode 2015-2017.

Fulltext View|Download

Keywords: BOPO, CAR, LDR, ROA

Article Metrics:

Article Info

Section: Articles

Language : ID

In Vol 3, No 2 (2019): November 2019

Recent articles

PERANAN PROGRAM SERTIFIKAT UTZ TERHADAP PENINGKATAN PRODUKSI DAN PENDAPATAN PETANI KAKAO DI KABUPATEN JEMBRANA PROVINSI BALI STRATEGI PENGHIDUPAN MASYARAKAT DESA HUTAN DI DESA KUCUR, KECAMATAN DAU, KABUPATEN MALANG ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PRODUKSI USAHATANI BUNCIS DI GABUNGAN KELOMPOK TANI LEMBANG AGRI KABUPATEN BANDUNG BARAT More recent articles

Mahardika, Dewa Putra Khrisna., Farida Titik Kristanti, dan Alfian Agus Putranto. 2017. Capital Adequacy Ratio, Loan Deposit Ratio dan Non Performing Loan terhadap Profitabilitas. Jurnal Fakultas Ekonomi dan Bisnis. Universitas Telkom
Mawardi, Wisnu. 2004. Analisis Faktor-Faktor Yang Mempengaruhi Kinerja Keuangan Bank Umum di Indonesia (Studi Kasus Pada Bank Umum Dengan Total Asset Kurang Dari 1 Trilyun). Jurnal. Universitas Diponegoro
Peraturan Daerah Provinsi Bali Nomor 11 Tahun 2013 tentang Lembaga Perkreditan Desa. https://jdih.baliprov.go.id. Diakses pada 13 Oktober 2018
Prasnugraha P, Ponttie. 2007. Analisis Pengaruh Rasio-rasio Keuangan terhadap Kinerja Bank Umum di Indonesia (Studi Empiris Bank-Bank Umum yang Beroperasi di Indonesia. Tesis. Program Studi Magister Sains Akutansi Program Pasca Sarjana. Universitas Diponegoro. Semarang
Sasongko, Ita Ari. 2014. Analisis Pengaruh Risiko Kredit, Perputaran Kas, Likuiditas, Tingkat Kecukupan Modal, dan Efisiensi Operasional terhadap Profitabilitas Perusahaan Perbankan yang Terdaftar di BEI periode 2007-2013. Jurnal. Fakultas Ekonomi dan Bisnis. Universitas Dian Nuswantoro. Semarang
Sigid, Ahmad. 2014. Analisis Pengaruh Kredit dan Non Performing Loan (NPL) terhadap Profitabilitas pada Bank Umum Milik Pemerintah. Skripsi Jurusan Ilmu Ekonomi pada Fakultas Ekonomi dan Bisnis Universitas Brawijaya. Malang
Sugiyono. 2014. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung. Alfab

Last update:

No citation recorded.

Last update:

No citation recorded.

Starting from 2021, the author(s) whose article is published in the Agrisocionomics journal attain the copyright for their article. By submitting the manuscript to Agrisocionomics, the author(s) agree with this policy. No special document approval is required.

The author(s) guarantee that:

Their article is original, written by the mentioned author(s),
Has never been published before,
Does not contain statements that violate the law, and
Does not violate the rights of others, is subject to copyright held exclusively by the author(s), and is free from the rights of third parties, and that the necessary written permission to quote from other sources has been obtained by the author(s).

The author(s) retain all rights to the published work, such as (but not limited to) the following rights:

Copyright and other proprietary rights related to the article, such as patents,
The right to use the substance of the article in its own future works, including lectures and books,
The right to reproduce the article for its own purposes,
The right to archive all versions of the article, and
The right to enter into separate additional contractual arrangements for the non-exclusive distribution of published versions of the article (for example, posting them to institutional repositories or publishing them in a book), acknowledging its initial publication in this journal.

If the article was prepared jointly by more than one author, each author submitting the manuscript warrants that they have been given permission by all co-authors to agree to copyright and license notices (agreements) on their behalf, and agree to notify the co-authors of the terms of this policy. Agrisocionomics will not be held responsible for anything that may arise because of the writer's internal dispute. Agrisocionomics will only communicate with correspondence authors.

Authors should also understand that once published, their articles (and any additional files, including data sets, and analysis/computation data) will become publicly available. The license of published articles (and additional data) will be governed by the Creative Commons Attribution license as currently featured on the Creative Commons Attribution-ShareAlike 4.0 International License. Agrisocionomics allows users to copy, distribute, display and perform work under license. Users need to attribute the author(s) and Agrisocionomics to distribute works in journals and other publication media. Unless otherwise stated, the author(s) is a public entity as soon as the article is published.