ANALISIS LOAN TO DEPOSIT RATIO BANK UMUM BUKU IV SEBELUM DAN SEMASA PANDEMI COVID-19

SHODROKOVA, XENANEIRA and Asngari, Imam and Hidayat, Ariodillah (2022) ANALISIS LOAN TO DEPOSIT RATIO BANK UMUM BUKU IV SEBELUM DAN SEMASA PANDEMI COVID-19. Undergraduate thesis, Sriwijaya University.

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Abstract

The banking sector contributes to the pace of the economy. Since the outbreak of the COVID-19 virus, many risks will be faced by banks such as bad loans as measured by Non-performing Loan (NPL) ratios, decreases in net interest margins measured through Net Interest Margin (NIM) ratio, increasing Operating Costs to Operating Income (BOPO), and Third-Party Funds (DPK) which are increasing but not followed by high credit distribution. This disrupts the balance between loans and deposits measured through loan to deposit ratio (LDR). In this study using secondary data types in the form of Commercial Bank Business Activities IV panel data for the period 2018-2021 using the Fixed Effect Model Method. The results showed that during the COVID-19 pandemic the variables NIM and BOPO had a positive and significant effect while the NPL and Dummy Covid variables showed a negative and significant relationship to the Loan to Deposit Ratio (LDR).

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	COVID-19, Net Interest Margin (NIM), Non-Performing Loan (NPL), Operating Cost to Operating Income (BOPO), Loan to Deposit Ratio (LDR)
Subjects:	H Social Sciences > HG Finance > HG1641-1643 Bank loans. Bank credit. Commercial loans
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	Xenaneira Shodrokova
Date Deposited:	18 May 2022 03:35
Last Modified:	18 May 2022 03:35
URI:	http://repository.unsri.ac.id/id/eprint/70152

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