ANALISIS PENGARUH NON-PERFORMING LOAN, RETURN ON ASSET, LOAN TO DEPOSIT RATIO, DAN BOPO TERHADAP RATING BANK (Studi pada Bank Perkreditan Rakyat di Indonesia Periode Tahun 2012-2013)
ABSTRACT: This
study aims to analyze the determinants of bank rating in rural banking of Indonesia
periods 2012 - 2013. There are four independents variable that used, which are
Non-Performing Loan (NPL), Return on Asset (ROA), Loan to Deposit Ratio (LDR) and
Operating Expense and Operating Income (BOPO), and the dependent variable is bank
rating. Sampling technique used is purposive sampling, which criteria as rural
bank in ndonesia who provide annual reports periods 2012 - 2013, listed on Info
Bank rating, and has assets 100 – 500 billion. Samples obtained a number of 85
rural banks. The data was analyzed with regression technique. Before being
tested using regression analysis, the data must first pass the test of classic
assumption there are normality test, autocorrelation test, multicollinearity
test, and heteroscedasticity test. The result of this study showing that NPL
has negative relationship and significant toward bank rating. ROA has positive
relationship and significant toward bank rating. LDR has positive relationship
and insignificant toward bank rating. The last, BOPO has insignificant positive
relationship toward bank rating. This research also obtained that adjusted R2
16,10%. This means that 16.10% variation of bank rating can be explained by the
five independent variables.
Keywords: Bank
rating, NPL, ROA, LDR, BOPO
Penulis: Tri
Puji Lestari, Astiwi Indriani
