PENGARUH DANA PIHAK KETIGA, LOAN TO DEPOSIT RATIO DAN RENTABILITAS TERHADAP KREDIT LPD KABUPATEN BADUNG
ABSTRACT: Villace Credit
Institutions (indonesia: Lembaga Perkreditan Desa or LPD) are saving and loan
establishments owned by the members of the villages in Bali Province. They are
economic means of the people of the villages. Activities of LPDs consist of
accumulating societies’ funds in the form of savings and time deposits,
providing loans to village members and accepting loans from various financial
institutins. The aims of this research is to understand the significance of the
impact of third parties’ funds, loan-to-deposit ratio (LDR), and rentability
(return on asset, ROA) ratio on loans of LPDs in the Regency of Bandung, both
simultaneously and partially. The sample of this research consists 55 LPDs,
collected under purposive sampling method. Multiple linier
regression is used in data analysis. Results indicate that simultaneously third
parties’ funds, LDR, and ROA have significant effect on loans of LPDs in Badung
Regency, with coefficient of determination (R2) of 0,901. Partially, third
parties’ funds and ROA have positive and significant effect on loans of in
Badung Regency. LDR has positive but insignificant effect on loans of LPDs in
Badung Regency.
Penulis: Made Rusmala Dewi, I
Putu Yadnya, Gede Mertha Sudiartha
Kode Jurnal: jpmanajemendd170205
