PENGARUH NON PERFORMING LOAN (NPL), PENYALURAN KREDIT DAN DANA PIHAK KETIGA TERHADAP PROFITABILITAS PADA KOPERASI SIMPAN PINJAM (KSP)

Abstract

Penelitian ini bertujuan untuk memperoleh temuan eksplanatif yang teruji tentang pengaruh (1) Non Performing Loan (NPL), penyaluran kredit dan dana pihak ketiga terhadap profitabilitas, (2) Non Performing Loan (NPL) terhadap penyaluran kredit dan (3) Dana pihak ketiga terhadap penyaluran kredit. Desain penelitian yang digunakan dalam penelitian ini adalah kausal (hubungan sebab-akibat). Subjek penelitian ini adalah Koperasi Simpan Pinjam (KSP) Se- Kecamatan Buleleng, dan objek penelitian adalah Non Performing Loan (NPL), penyaluran kredit, dana pihak ketiga dan profitabilitas. Data dikumpulkan dengan pencatatan dokumen, kemudian dianalisis menggunakan analisis jalur (path analysis). Hasil penelitian menunjukkan bahwa (1) Ada pengaruh dari Non Performing Loan (NPL), penyaluran kredit dan dana pihak ketiga terhadap profitabilitas, (2) Ada pengaruh yang negatif dari Non Performing Loan (NPL) terhadap penyaluran kredit, dan (3) Ada pengaruh yang positif dari dana pihak ketiga terhadap penyaluran kredit,
Kata Kunci : non performing loan, penyaluran kredit, dana pihak ketiga , profitabilitas

This study aimed to obtain findings eksplanitif tested on (1) Non Performing Loan (NPL), credit distribution, and third party funds on profitability, (2) Non Performing Loan (NPL) on the credit distribution, and (3) third party funds on the credit distribution. The research design used in this study is causally (cause-effect relationships). The subjects were Koperasi Simpan Pinjam (KSP) in Buleleng Subdistrict, and the object of this study is the Non Performing Loan (NPL), credit distribution, and third party funds on profitability. Data collected by recording the document, and then analyzed using path analysis. The results showed that (1) There is an effect of Non Performing Loan (NPL), credit distribution, and third party funds on profitability, (2) there is a negative effect of the Non Performing Loan (NPL) on the credit distribution, and (3) there is a positive effect of third party funds on the credit distribution
keyword : non performing loan, credit distribution, third party funds, profitability