PENGARUH BIAYA CKPN, BIAYA PENDIDIKAN, BIAYA PROMOSI TERHADAP FUNGSI INTERMEDIASI DENGAN SUKU BUNGA DASAR KREDIT SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE BULAN JULI 2013- JUNI 2015)

Abstract

The purpose of this research is to test the cost of CKPN, cost of education, cost of promotion to Intermediation function with prime lending rate as intervening variable on regional development bank on Indonesian with the 2013, july – 2015 juni period. The population of this research is all the convensional bank in Indonesia. Sampling technique used in this study was purposive sampling method so that in this study the total sample 25 companies with the 2013, july – 2015 juni period. Classic assumption test including normality test, multicollinearity test, autocorrelation test, and linearity test. Analysis used by using path analysis and sobel test with SPSS. The results of this study to the regression model first to show that together the variable cost of CKPN, cost of education, cost of promotion effect the prime lending rate, For the second regression model showed that together the variable cost of CKPN, cost of education, cost of promotion and prime lending rate effect Loan to deposit Ratio (LDR). This research also showed that prime lending rate has mediating effect on the relationship between cost of education with Loan to deposit Ratio (LDR) but prime lending rate hasnt mediating effect on the relationship between cost of CKPN and cost of promotion with Loan to deposit Ratio (LDR)