KUMALASARI, DEWITA (2013) PENGARUH KREDIT MACET, LIKUIDITAS DAN NET INTEREST MARGIN TERHADAP PERUBAHAN LABA PADA PERUSAHAAN PERBANKAN. S1 thesis, Universitas Negeri Jakarta.
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Abstract
Dewita Kumalasari, 2013; Effect of Bad Debt, Liquidity and Net Interest Margin to Income Changes in the Banking Companies Listed in Indonesia Stock Exchange Year 2009-2011.. This study aims to: 1) Understand the impact of bad loans on the company profits, 2) Understand the effect of liquidity on earnings changes, 3) Understand the effects of changes in net interest margin for profit, 4) Understand the effects of bad credit, liquidity and net interest margin to changes in income. The data in this study were drawn from banking companies listed in Indonesia Stock Exchange for three years for the period 2009 through 2011. This study uses purposive sampling method. Sample for this study consisted of 21 companies that meet the established criteria. Proxy used for bad debts in this study are non-performing loan ratio (NPL), for liquidity in this study Ratios Loan to Deposit Ratio, Net Interest Margin for the (NIM), and to changes in the profit before tax profit this year compared to pre-tax profit last year. Data analysis methods used in this research is a method of statistical analysis using the program Statistical Product and Service Solutions (SPSS) version 17 after analyze linear regression approach. The results of this study show that: 1) bad credit have a significant negative impact on earnings changes, 2) liquidity has a significant negative effect on earnings changes, 3) the net interest margin has a positive effect on earnings changes, 4) bad credit, liquidity and net interest margin simultaneously have a significant impact on earnings changes.. Keywords: Bad Debt, Liquidity, Net Interest Margin and Change Profit.
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