Analisis Pengaruh Dana Pihak Ketiga Dan Kredit Terhadap Laba Pada PT. Bank Pembangunan Daerah Nusa Tenggara Timur

BASO, Yosefina Mariana (2020) Analisis Pengaruh Dana Pihak Ketiga Dan Kredit Terhadap Laba Pada PT. Bank Pembangunan Daerah Nusa Tenggara Timur. Diploma thesis, Unika Widya Mandira.

	Text ABSTRAK.pdf Download (647kB)
	Text BAB I.pdf Download (652kB)
	Text BAB II.pdf Download (727kB)
	Text BAB III.pdf Download (445kB)
	Text BAB IV.pdf Download (547kB)
	Text BAB V.pdf Download (486kB)
	Text BAB VI.pdf Download (321kB)

Abstract

The existence of the East Nusa Tenggara Regional Development Bank (hereinafter referred to as the NTT Bank) as one of the Regional Owned Enterprises (BUMD) owned by the regional government of East Nusa Tenggara Province, aims to develop the economic growth of the East Nusa Tenggara Province by helping to finance businesses / projects development projects implemented by the Provincial Government and the Regency / City Government The objectives to be achieved in this study are as follows; 1) Determine the effect of savings on NTT Bank profits. 2) Determine the effect of deposits on NTT Bank profits. 3) Determine the effect of demand deposits on NTT Bank profits. 4) Determine the effect of MSME loans on NTT Bank profits. 5) Determine the effect of commercial and corporate loans on NTT Bank profits. 6) Determine the effect of consumer credit on NTT Bank profits Referring to the results of the descriptive analysis, the following conclusions can be drawn: 1) The first hypothesis is that MSME credit has a positive and significant influence and drives profit / loss. This means Hypothesis 1 is accepted. 2) The second hypothesis is that commercial and corporate credit have no significant influence and do not encourage profit / loss. This means that Hypothesis 2 is rejected. 3) The third hypothesis in which consumer credit has a positive and significant influence and drives profit / loss. This means that Hypothesis 3 is accepted. 4) Hypothesis four, where current accounts have a positive and significant influence and drive profit / loss. This means that Hypothesis 4 is accepted. 5) The fifth hypothesis where savings does not have a significant effect on profit / loss. This means Hypothesis 5 is rejected. 6) The sixth hypothesis is that deposits have no significant effect on profit / loss. This means Hypothesis 6 is rejected. Taking into account the problem and the results of the analysis, the suggestions for enhancing the Central and Branch Bank NTT are suggested to continue to increase third-party funds both savings, current accounts and time deposits to encourage the distribution of MSME Credit, Commercial and Corporate Loans, and Consumer Loans to increase the Bank's operating profit NTT, by promoting the superiority of Third Party Fund products from other banks, especially current accounts and time deposits, which contribute smaller Third Party Fund balances than savings, such as giving a direct gift at the time of opening an account and offering more competitive interest rates than other banks.

Actions (login required)

View Item