PENGARUH LDR DAN NIM MELALUI NPL TERHADAP PROFITABILITAS BANK UMUM

Abstract

This research is aimed to find out the influence of LDR and NIM through NPL as the intervening variable to the profitability of commercial banks. The population is all commercial banks which are listed in Indonesia Stock Exchange (IDX) from 2013 to 2016 periods. The sample collection technique has been carried out by using purposive sampling and 9 banks which have met the criteria have been selected as samples. The statistics method has been carried out by using descriptive statistics and path analysis which has been applied to examine the direct influence of LDR, NIM and NPL to the profitability, the indirect influence of LDR and NIM through NPL to the profitability. The result of the research shows that LDR gives positive significant influence to NPL and it gives negative significant influence to the profitability. NIM gives positive insignificant influence to NPL and it gives positive significant influence to the profitability. NPL gives negative significant influence to the profitability. The result of the research shows that LDR gives indirect influence to the profitability where as NIM does not give any indirect influence to the profitability. The result describes that NPL mediates the influence of LDR to the profitability.