Dampak krisis dan kinerja keuangan terhadap loan loss provision
Abstract
Tujuan dari penelitian ini adalah untuk melihat bagaimana dampak Krisis dan Kinerja Keuangan Terhadap Loan Loss Provision pada tahun 2008-2015. Data diperoleh dari Laporan Keuangan publikasi yand diterbitkan Bank Indonesia dengan periode waktu tahun 2008 hingga 2015. Jumlah populasi dalam penelitian ini adalah 26 Bank Pembangunan Daerah dengan melewati tahap purposive sampling. Penelitian ini menggunakan regresi data panel dengan metode Random Effect Method (REM) melalui program Eviews 8. Hasil dari penelitian ini menunjukkan bahwa pengaruh Earning Before Taxes and Provision positif dan tidak signifikan terhadap Loan Loss Provision, kemudian Market Lending Rate berpengaruh negatif dan signifikan terhadap Loan Loss Provision, sedangkan Equity Ratio berpengaruh negatif dan signifikan terhadap Loan Loss Provision, Non-Interest Income to Assets berpengaruh negatif dan signifikan terhadap Loan Loss Provision, dan Krisis berpengaruh negatif dan signifikan terhadap Loan Loss Provision Bank di Indonesia.
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DOI: https://doi.org/10.30872/jkin.v15i1.2071
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