Analysis Of Factors Affecting Implementation Banking Intermediation Function (Study On Regional Development Bank All Over Indonesia Year 2012 )

Abstract

Regional Development Bank in Indonesia was established to accelerate the growth of the economy. But in reality the contribution of BPD to Gross Domestic Product in 2012 was still relatively small, it is allegedly not optimal implementation intemediasi banking functions by BPD indicated by the Loan to Deposit Ratio (LDR) are still low. The purpose of this study was to analyze the factors that affect the implementation of intermediation include Capital Adequacy Ratio (CAR) , Net Interest Margin (NIM ) , the ratio of operating expenses to operating income (BOPO), Non Performing Loan (NPL), and Return on Assets (ROA) . The method used is descriptive and verification method, with secondary data from financial statements 26 all over Indonesian Regional Development Bank as a research object units. Data analysis technique is the multiple linear regression, hypothesis testing while using t - test to examine the effect of partial variables and test - F to examine the effect of variables simultaneously with a significance level of 5 %. Based on the results it is concluded that partial CAR, NIM, BOPO and ROA positive and significant effect on LDR. While the NPL but no significant negative effect on LDR. Simultaneously CAR, NIM, BOPO, NPL and ROA significantly influence the level of influence of LDR with 55.7 % and the rest is influenced by other factors not examined.