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

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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.

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Keywords: BOPO, CAR, LDR, ROA

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

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