FAKTOR FINANSIAL DAN NON FINANSIAL MEMPENGARUHI RENTABILITAS PADA LEMBAGA PERKREDITAN DESA (LPD) DI KABUPATEN JEMBRANA PERIODE TAHUN 2011-2013

Abstract

Lembaga Perkreditan Desa (LPD) is a financial institution owned Pakraman
in Bali. Formation of Lembaga Perkreditan Desa (LPD) is the government’s efforts
to address the economic disparities in urban areas with rural areas, especially in
Bali. The success of an LPD can not be separated from the LPD’s ability to obtain
profit. Healthy least LPD can be measured by indicators of rentabilitas. rentabilitas
of a company is shown by a comparison between profits with the capital to generate
profits. This study aimed to determine the effect of cash flows, the effectiveness of
debt management, loan to deposit ratio, the number of customers and the location
of the rentabilitas of the LPD in Jembrana Regency period in 2011-2013 either
simultaneously or partially. Data analysis techniques used in this research is multiple
linear regression analysis technique analysis results Ŷ =0,026 + 0,001 X
 + 0,532
X
2
+ 0,672 X
3
+ 0,005 X
4
 - 0,083 X
. F test analysis results indicate that the variable
rate cash flows, the effectiveness of debt management, loan to deposit ratio, the
number of customers and locations simultaneously influence on rentabilitas in the
LPD in Jembrana Regency period 2011-2013. T test showed that the effectiveness of
debt management (
3,207) and loan to deposit ratio (17,101) is significant positive
effect on rentabilitas while the level of cash turnover(
0,792), the number of customers
(0,229) and location (-1,669)did not show any significant effect on rentabilitas, but
has a positive direction in accordance with the hypothesized.