Capital, Operational Efficiency And Credit Risk In The Banking Intermediation
Herry A. Buchory
Herry A. Buchory
Available Online May 2015.
- https://doi.org/10.2991/iceb-15.2015.27How to use a DOI?
- Capital Adequacy Ratio; CAR; Loan to Deposit Ratio; LDR; Non-Performing Loans; NPLs; Operating Expense to Operating Income Ratio; OEOI
- Regional Development Bank in Indonesia was established to accelerate the growth of the economy. But in reality the contribution of BPD to Gross Regional Domestic Product in 2014 was still relatively small. The aim of this study was to analyze the factors that affect the banking intermediation include capital, operational efficiency, and credit risk. The methods used are descriptive and verificative, with secondary data from financial statements all over 26 Indonesian Regional Development Banks as a research object’s units. Data analysis technique is the multiple linear regression, hypothesis testing while using t - test to examine the effect of partial variables and test - F to examine the effect of variables simultaneously with a significance level of 5 %. Based on the results it is concluded that partial CAR and OEOI have positive and significant effects on LDR. While the NPLs has negative and significant effect on LDR. Simultaneously CAR, OEOI and NPLs significant effect on the LDR with level of influence of 12.8% and the remaining influenced by other factors not examined in this study
- Open Access
- This is an open access article distributed under the CC BY-NC license.
Cite this article
TY - CONF AU - Herry A. Buchory PY - 2015/05 DA - 2015/05 TI - Capital, Operational Efficiency And Credit Risk In The Banking Intermediation BT - Proceedings of the International Conference on Economics and Banking 2015 PB - Atlantis Press SP - 180 EP - 188 SN - 2352-5428 UR - https://doi.org/10.2991/iceb-15.2015.27 DO - https://doi.org/10.2991/iceb-15.2015.27 ID - Buchory2015/05 ER -