The effect of financial performance on state-owned banks credit in Indonesia

Abstract

Abstrak Penelitian ini mengkaji pengaruh kinerja keuangan terhadap kredit perbakan BUMN di Indonesia. Perbankan yang terpilih menjadi objek penelitian adalah Bank Rakyat Indonesia (BRI), Bank Nasional Indonesia (BNI), Bank Mandiri dan Ban Tabungan Negara Indonesia (BTN). Data yang digunakan adalah data panel yaitu data sekunder tahunan yang diinterpolasi dalam data per triwulan, yang bersumber dari otoritas jasa keuangan, Bank Indonesia, Bappenas, BPS dan publikasi resmi lainnya. Pengaruh variabel bebas terhadap jumlah kredit diestimasi menggunakan regresi berganda metode Random Effect Model (REM. Hasil Penelitian menunjukkan bahwa perkembangan rata-rata kinerja keuangan perbankan BUMN mengalami fluktuasi dan mengalami variasi masing-masing Bank, sedangkan hasil pengujian menggunakan data panel semi log dengan model REM menunjukkan bahwa variabel non performing loan dan loan to deposit ratio memiliki pengaruh positif dan signifikan terhadap variabel jumlah kredit perbankan BUMN di Indonesia, sementara itu return on assets tidak berpengaruh signifikan. Kata Kunci : Dana pihak ketiga, NPL, LDR,ROA, dan Kredit Perbankan BUMN Abstract This study examines the effect of financial performance on state-owned banks credit in Indonesia. Banks selected to be analyzed are Bank Rakyat Indonesia (BRI), Bank Nasional Indonesia (BNI), Bank Mandiri, and Bank Tabungan Negara Indonesia (BTN). Panel data used is annual secondary data interpolated into quarterly data from Financial Services Authority, Bank Indonesia, The National Development Planning Agency or BadanPerencanaan Pembangunan Nasional (Bappenas), Central Bureau of Statistics or Badan (BPS), and other official publications. The influence of independent variables to the amount of credit is estimated using multiple regression, Random Effects Model (REM). The result of the study indicates that all state-owned banks had fluctuations in financial performance growth and it is different for all banks, while the test results using semi-log panel data with REM shows that non-performing loan (NPL) variable and loan to deposit ratio (LDR) variable have a significant positive effect to the state-owned banks credit in Indonesia. Meanwhile, Return On Assets (ROA) variable has no significant effect. Key words: Third party funds, NPL, LDR, ROA, State-owned banks credit