ANALISIS DANA PIHAK KETIGA DAN KREDIT BERMASALAH TERHADAP TINGKAT PROFITABILITAS PADA INDUSTRI PERBANKAN DI BURSA EFEK INDONESIA

Abstract

Bank funds which can be obtained from the bank's own capital from shareholders, from
other agencies and from the public in the form of demand deposits, savings deposits and the so
called third party funds. Funds collected are allocated in order to achieve profitability and maintain
sufficient liquidity position remains secure
The high non-performing loans due to credit expansion undertaken in the past are more
concentrated in the property sector, giving rise to the growth of non-performing loans.
To survive, the banks have to raise the level of profitability. Profitability describes the ability of the
banking companies to profit through all of the capabilities and resources. The results of the analysis
obtained by partial LDR variables have a significant effect on the profitability of the banking industry
and the partial NPL variable has no significant effect on profitability.