The Role TPF to Loan Defisit Ratio

Authors

  • Clara neltje Meini rotinsulu Universitas Tompotika Luwuk Banggai

Keywords:

Third Party Funds, Credit, Capital Adequacy Ratio, Loan To Deposit Ratio

Abstract

The purpose of this research is to look at the impact of Third Party Funds (TPF), Credit, and Capital Adequacy Ratio (CAR) on Loan to Deposit Ratio (LDR) at Rural Bank (BPR) Sulawesi Mandiri.  The purpose of this research is to determine how the composition of funds, lending, and the degree of capital adequacy of banks impact the loan to deposit ratio. The multiple regression analysis approach was utilised to examine BPR Sulawesi Mandiri  data from a certain time period. The findings indicated that third-party funds have a positive and substantial impact on LDR, implying that a rise in third-party funds and a non-significant BPR Sulawesi Mandiri  resulted in an increase in lending. Credit has a positive but small influence on LDR, indicating that an increase in bank lending will raise the loan-to-deposit ratio. Capital Adequacy Ratio has a negative but substantial influence on LDR, showing that the bank's capital adequacy level has little impact on lending policy. The study's implications include the need of effective fund and credit management in boosting BPR performance, as well as the need for continual capital policy assessment to support the banking sector's expansion.

References

Achmad, E. Kuncoro, & Riduwan. (2014). Cara Menggunakan dan Memakai. Path Analysis (Analisis Jalur). Cetakan ke-6. Bandung: Alfabeta.

Ariwidanta, & Wiksuana. (2018). Pengaruh CAR, NPL, LDR, dan BOPO terhadap profitabilitas bank. Jurnal Ilmiah Mahasiswa Akuntansi, 3(1), 1-10.

Brigham, E. F., & Houston, J. F. (2020). Dasar-Dasar Manajemen Keuangan (Edisi 16). Jakarta: Salemba Empat.

Ejournal Undiksha. (2021). Pengaruh TPF, CAR, NPL dan LDR terhadap Penyaluran Kredit Lembaga Perkreditan Desa di Kabupaten Buleleng. Jurnal Pendidikan dan Pembelajaran Sosial Humaniora, 9(1), 1-10.

F. S., & Eakins, S. G. (2015). Financial Markets and Institutions (8th Edition). Boston, MA: Pearson.

Fabozzi, F. J., & Peterson, P. P. (2020). Financial Management and Analysis (3rd Edition). Hoboken, NJ: John Wiley & Sons.

Gitman, L. J., & Zutter, C. J. (2020). Principles of Managerial Finance (16th Edition). Boston, MA: Pearson.

Gunardi, A., & Trisnawati, R. (2021). The Effect of Capital Adequacy Ratio (CAR) and Non-Performing Loans (NPL) on Loan to Deposit Ratio (LDR) in Indonesian Banks. International Journal of Scientific & Technology Research, 10(5), 2647-2654.

Gup, B. E. (2020). Banking and Financial Institutions: A Guide for Directors, Investors, and Counterparties. John Wiley & Sons.

Hardiyanti, Febriatmoko, & Wulandari. (2016). Pengaruh CAR, NPL, LDR terhadap profitabilitas bank (ROA) tahun 2017-2019. JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Universitas Pendidikan Ganesha, 12(3), 1023.

Hartono, J. (2021). Manajemen Keuangan Perbankan: Panduan Lengkap bagi Mahasiswa, Praktisi, dan Pemangku Kepentingan Perbankan. Yogyakarta: Andi.

Haubrich, J. G. (2017). The Economics of Bank Credit. Federal Reserve Bank of Cleveland.

Kasmir. (2016). Analisis Laporan Keuangan. Jakarta: PT. RajaGrafindo Persada.

Khairiyah. (2021). Pengaruh CAR, NPL, dan LDR terhadap Penyaluran Kredit pada Bank Konvensional yang Terdaftar di BEI Periode 2017-2021. Inovasi - Jurnal FEB Unmul, 19(2), 1-10.

Kusuma, A. A. G. P., et al. (2021). Pengaruh Dana Pihak Ketiga, Efisiensi, Loan To Deposit Ratio (LDR), dan Capital Adequacy Ratio (CAR) Terhadap Penyaluran Kredit Pada Bank Umum Konvensional. Konsentrasi, 3(1), 1-10.

Machmud, R. (2021). Manajemen Perbankan: Teori dan Praktik. Yogyakarta: CAPS (Center for Academic Publishing Service).

Martono, N. (2020). Perbankan Indonesia: Manajemen, Keuangan, dan Kasus-kasus. Yogyakarta: BPFE.

Mishkin, F. S. (2018). The Economics of Money, Banking, and Financial Markets. Pearson.

Mishkin, F. S., & Eakins, S. G. (2015). Financial Markets and Institutions (8th Edition). Boston, MA: Pearson.

Nanik Sri Dwi Wulandari. (2013). Pengaruh CAR, LDR, NPL dan BOPO terhadap profitabilitas bank. Jurnal Profita: Kajian Ilmu Akuntansi, 1(1), 1-10.

Neliti. (2015). Analisis Pengaruh TPF, Ldr, Npl Dan Car Terhadap Jumlah Penyaluran Kredit Pada PT. Bank Qnb Indonesia, Tbk Periode 2005 - 2014.

Nursanti, D., & Azhar, S. (2021). The Impact of Capital Adequacy Ratio on the Loan to Deposit Ratio: Evidence from Indonesian Commercial Banks. International Journal of Economics, Commerce and Management, 9(5), 37-49.

Nuryaman, R. (2021). The Impact of Third Party Funds, Net Profit Margin, and Non-Performing Loans on the Loan to Deposit Ratio of Commercial Banks. Jurnal Bisnis dan Akuntansi, 23(1), 1-14.

Riyanto, B. (2020). Manajemen Keuangan Perbankan. Yogyakarta: BPFE.

Rose, P. S., Marquis, M. H., & Hudgins, S. C. (2017). Bank Management & Financial Services (9th Edition). New York, NY: McGraw-Hill Education.

Ross, S. A., Westerfield, R. W., & Jordan, B. D. (2020). Fundamentals of Corporate Finance (12th Edition). New York, NY: McGraw-Hill Education.

Saunders, A., & Cornett, M. M. (2019). Financial Institutions Management: A Risk Management Approach (9th Edition). New York, NY: McGraw-Hill Education.

Septiani, R. (2018). Pengaruh NPL dan LDR terhadap profitabilitas dengan CAR sebagai variabel mediasi pada PT BPR Pasarraya Kuta. Jurnal Ilmiah Mahasiswa Akuntansi, 3(1), 1-10.

Soedarsono, S. (2020). Dasar-Dasar Perbankan. Jakarta: Kencana Prenada Media Group.

Sugiyono. (2016). Metode Penelitian Bisnis. Alfabeta.

Sugiyono. (2018). Metode Penelitian Kombinasi (Mixed Methods), Alfabeta.

Sutrisno, T., Rachmawati, R., & Hidayat, A. (2020). Determinants of Third Party Funds in Rural Banks. International Journal of Innovation, Creativity and Change, 13(3), 422-437.

Taswan. (2015). Akuntansi Perbankan. Edisi III Cetakan 4. Yogyakarta: STIM. YPKN.

Wahyuni, A. R., & Izzati, T. (2021). The Influence of Third Party Funds and Non-Performing Loans on Loan to Deposit Ratio with Asset Growth as a Moderating Variable. Jurnal Keuangan dan Perbankan, 25(3), 424-435.

Yanuartha. (2019). Pengaruh CAR, LDR, NPL dan BOPO terhadap profitabilitas bank. Jurnal Profita: Kajian Ilmu Akuntansi, 7(1), 1-10.

Downloads

Published

19-12-2023 — Updated on 20-12-2023

How to Cite

Meini rotinsulu, C. neltje. (2023). The Role TPF to Loan Defisit Ratio. Journal of Management, 2(2), 64–73. Retrieved from https://myjournal.or.id/index.php/JOM/article/view/26

Issue

Vol. 2 No. 2 (2023): July - December

Section

Articles

License

Copyright (c) 2023 Clara Neltje Meini Rotinsulu

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.