THE INFLUENCE OF CAPITAL, LIQUIDITY AND EFFICIENCY TOWARDS CREDIT DISTRIBUTION RATE AT PT. BANK RAKYAT INDONESIA (PERSERO), TBK

Abstract

As a financial institution, the bank has a duty to collect funds from the public in the form of deposits and distributed back to the public in the form of loan or credit. Every bank should be able to distribute credit to the public without a delay, especially amid tough competition at this time. Capital variables in this study is CAR (Capital Adequacy Ratio), liquidity variable in this study is reserve requirement ratio (GWM), variable efficiency in this study is BOPO ratio (Operating Expenses / Operating Income) and variable lending rate in this study is LDR (Loan to Deposit Ratio). The purpose of this study was to determine whether there is influence between the CAR, GWM, and BOPO to LDR at PT. Bank Rakyat Indonesia (Persero), Tbk. The problem in this research is still LDR BRI and less likely to fluctuate according to the standard maximum LDR healthy banks by Bank Indonesia. The methodology in this study used an explanatory types of research that describes a relationship between the variables of research by testing the hypothesis that has been formulated. Data used in this research is time series data that is the financial statements of BRI in 2004 until 2009. The analysis in this study using correlation analysis, determination coefficient, simple linear regressions, multiple linear regression, the classic assumption test, t test and F test. The results showed that the CAR with the regression equation Y = 94.316-1.045 X1 strong negative influence on the LDR. GWM with regression equation Y = 88.344-1.426 X2 very strong negative influence on the LDR. BOPO with regression equation Y = 109.990-0.551 X3 is a medium negative influence on the LDR. CAR, GWM, and also BOPO together a very strong negative influence on the LDR with multiple regression equation Y = 97.748-0.527 X1 - 1.196 X2 - 0.034 X3. PT. Bank Rakyat Indonesia (Persero), Tbk should pay more attention to the condition of CAR, GWM, and BOPO that LDR increases up to a maximum of healthy banks LDR standards of Bank Indonesia, therefore, can further enhance the profitability of BRI.