PENGARUH DANA PIHAK KETIGA, KECUKUPAN MODAL, DAN KREDIT BERMASALAH TERHADAP LIKUIDITAS (Bank Umum Konvensional di Indonesia Periode 2015-2019)

• Main Author: Nadia Amira, - (Author)
• Format: Book
• Published: 2020-08-13.
• Subjects: Thesis; NonPeerReviewed
• Online Access: Link Metadata
• Notes: http://repository.upi.edu/50718/1/S_PEA_1607779_Title.pdf; http://repository.upi.edu/50718/2/S_PEA_1607779_Chapter1.pdf; http://repository.upi.edu/50718/3/S_PEA_1607779_Chapter2.pdf; http://repository.upi.edu/50718/4/S_PEA_1607779_Chapter3.pdf; http://repository.upi.edu/50718/5/S_PEA_1607779_Chapter4.pdf; http://repository.upi.edu/50718/6/S_PEA_1607779_Chapter5.pdf; http://repository.upi.edu/50718/7/S_PEA_1607779_Appendix.pdf
• Keywords: HF5601 Accounting; L Education (General)

Penelitian ini bertujuan untuk mengetahui pengaruh dana pihak ketiga, kecukupan modal, dan kredit bermasalah terhadap likuiditas bank umum konvensional di Indonesia. Dana pihak ketiga dalam penelitian ini diukur dengan menjumlahkan giro, tabungan, dan deposito yang diperoleh dari pihak ketiga bukan bank, kecukupan modal diukur dengan Capital Adequacy Ratio (CAR), kredit bermasalah diukur dengan Non Performing Loan (NPL), dan likuiditas diukur dengan Loan to Funding Ratio (LFR). Metode penelitian yang digunakan adalah metode deskriptif dan verifikatif. Teknik pengumpulan data yang digunakan menggunakan teknik dokumentasi dengan jenis data sekunder yang berasal dari website resmi masing-masing bank umum konvensional berupa laporan tahunan dan laporan keuangan audit independen. Populasi dalam penelitian ini berjumlah 96 bank selama lima tahun pengamatan dari tahun 2015-2019. Berdasarkan penentuan sampel dengan metode purposive sampling diperoleh 31 bank sehingga data observasi berjumlah 155 data. Pengujian hipotesis pada penelitian ini dilakukan dengan menggunakan regresi linear multipel data panel. Berdasarkan hasil pengujian keberartian regresi (Uji F) menunjukkan bahwa model regresi dapat digunakan untuk mengambil suatu kesimpulan. Kemudian hasil Uji t menunjukkan bahwa dana pihak ketiga dan kecukupan modal tidak berpengaruh terhadap likuiditas, sedangkan kredit bermasalah berpengaruh negatif terhadap likuiditas. Kata Kunci: Dana pihak ketiga, kecukupan modal, kredit bermasalah, likuiditas This study aims to determine the effect of third party fund, capital adequacy, and non-performing loan to the liquidity of conventional commercial banks in Indonesia. Third-party fund in this study measured by the sum of current account, saving, and deposit obtained from non-bank third parties, capital adequacy measured by Capital Adequacy Ratio (CAR), non-performing loan measured by Non-Performing Loan (NPL), and liquidity measured by Loan to Funding Ratio (LFR). The research method used descriptive and verification method. The data collection technique used a documentation study with secondary data type from the official website of each conventional commercial banks in the form of annual report and independent audit financial report. The population in this study used a conventional commercial bank in the period 2015-2019. By using a purposive sampling method, it obtained as many as 31 banks as the study sample. Thus, the observation data amounted to 155 data. The method analysis used multiple linear regression. Based on the regression significance test (F test) show that the regression model can be used to conclude a conclusion. The result of the hypothesis testing (t-test) show that third-party fund and capital adequacy do not affect to liquidity, meanwhile non-performing loan had a negative effect to liquidity. Keywords: Third party funds, capital adequacy, non performing loans, liquidity