Pengaruh Loan Deposit Ratio dan Inflasi Terhadap Non Performing Loan (Studi Kasus pada Perusahaan Perbankan Konvensional Pemerintah yang Terdaftar di Bursa Efek Indonesia 2007-2014)

Tingkat loan to deposit ratio (LDR) bank konvensional di Indonesia pada kuartal I/2013, I/2014, dan per Maret 2015 mengalami penurunan. Sementara data pertumbuhan NPL baik nominal maupun rasio per Maret 2015 menunjukkan tren meningkat dibandingkan per Maret 2013 dan 2014. Adapun peningkatan ini masih di bawah ketentuan lima persen. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh loan to deposit ratio terhadap non performing loan dan inflasi terhadap non performing loan. Metode yang digunakan dalam penelitian ini adalah deskriptif dan verifikatif dengan pendekatan kuantitatif. Metode sampling dalam penelitian ini adalah menggunakan pendekatan purposive sampling. Unit analisis dalam penelitian ini adalah laporan keuangan dan laporan tahunan Bank Konvensional Pemerintah yang terdaftar di Bursa Efek Indonesia periode 2007-2014. Dengan pendekatan regresi linier berganda. Pengujian hipotesis dalam penelitian ini menggunakan statistik uji t uji statistik dengan dengan SPSS 20.0. Berdasarkan hasil penelitian menunjukkan loan to deposit ratio berpengaruh terhadap non performing loan dan inflasi berpengaruh terhadap non performing loan.

The level of loan to deposit ratio of conventional banks in Indonesia I/2013, I/2014, per March 2015 was decline. While data growth both in nominal as well as NPL ratio showed rising trend in per March 2015 compared per March 2013 and 2014. As for this increase is still under the provisions of five percent. The research was purposed to find out how much effect of loan deposit ratio to non performing loan and inflation to non performing loan. The methods used in this research is descriptive and quantitative with verifikatif approach. The sampling method in this research is purposive approach. The unit of analysis in this study is financial statements listed and annual report of Conventional Bank of Goverment Companies listed on Indonesia stock exchange period 2007-2014. With multiple linear regression approach, in this study hypothesis testing using a t-test statistics with SPSS 20.0. Based on the results of research showing the loan to deposit ratio effect against non performing loan and the inflation effect on the non performing loan.