Pengaruh Pertumbuhan Dana Pihak Ketiga dan Pertumbuhan Kredit serta Risiko Kredit Terhadap Profitabilitas pada Lembaga Perkreditan Desa

Abstract

Penelitian ini bertujuan untuk menguji pengaruh pertumbuhan dana pihak ketiga, pertumbuhan kredit dan risiko kredit secara simultan dan parsial terhadap profitabilitas. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian ini adalah LPD di Kecamatan Tembuku dan objek penelitiannya adalah pertumbuhan dana pihak ketiga, pertumbuhan kredit, risiko kredit dan profitabilitas. Data dikumpulkan dengan metode pencatatan dokumen dan dianalisis dengan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) Pertumbuhan dana pihak ketiga, pertumbuhan kredit dan risiko kredit berpengaruh terhadap profitabilitas sebesar 72,6%, (2) Pertumbuhan dana pihak ketiga berpengaruh negatif dan signifikan terhadap profitabilitas sebesar 44,8%, (3) Pertumbuhan kredit berpengaruh positif dan signifikan terhadap profitabilitas sebesar 69,6%, (4) Risiko kredit berpengaruh positif dan tidak signifikan terhadap profitabitas terhadap profitabilitas sebesar 7,7%.
Kata Kunci : LPD, profitabilitas

The research has a purpose to examine the effect of the growth of third party funds, the growth of credit and credit risk simultaneously and parcial on profitability. The research design used quantitative causal. The subject of this research was LPD in Tembuku Sub-district, and the object of this research were the growth of third party funds, the growth of credit, credit risk and profitability. The data was obtained by documentation technique, and analyzed by multiple linier regression. The result of this research shows that (1) The growth of third party funds, the growth of credit and credit risk has a effect on profitability about 72,6% (2) The growth of third party funds has a negative and significant effect on profitability about 44,8%, (3) The growth of credit has a positive and significant effect on protability about 69,6%, (4) Credit risk has a positive and no significant effect on profitability about 7,7%.
keyword : LPD, profitability