PENGARUH NPL, CAR, INFLASI, SUKU BUNGA DAN KURS MELALUI JUMLAH PENYALURAN KREDIT TERHADAP PROFITABILITAS PERBANKAN

Abstract

This study was conducted to examine the effect of Non-Performing Loans
(NPL), Capital Adequacy Ratio (CAR), inflation, interest rates and exchange rate
through credit expansion to profitability of banks. The samples are ten biggest asset
banking company's in Indonesia in 2011-2014, using purposive sampling technique.
This research method by using path analysis or path analysis. Test the hypothesis by
using statistical t-test to test the partial coefficients, as well as statistical F test to
determine the effect of jointly using a 5% significance. It also made the classic
assumption test including normality test, multicollinearity test, heteroscedasticity test
and autocorrelation test. During the period show that the study data were normally
distributed. Based normality test, multicollinearity, heteroscedasticity test and
autocorrelation test found no deviation from the classical assumptions. The results
showed that the variable NPL has a negative influence significantly to amount of
lending, but CAR, sensitivity of interest rate, sensitivity of inflation, sensitivity of
exchange rate have no effect on the amount of lending. In addition the results of this
study indicate that the NPL, CAR, of interest rate, sensitivity of inflation, sensitivity
of exchange rate have no effect on ROA, besides the amount of lending has positive
effect on profitability of ROA.