Abstract
Abstract: The present research was conducted at Riau Province. The purpose of this research is to influence of credit portfolio to non perfoming loan (NPL) and profitability (ROA) in Bank Perkreditan Rakyat (BPR) Convensional in Riau. The population of this research is a Bank Perkreditan Rakyat Convensional from annual report are listed in Perbarindo Riau during 2009-2013 with the number of saturation samples are 33 BPR in Riau. This research apply on using portofolio credit based on a type of used that is working capital loan, investment loan and consumer loan as an exogenous variable, credit quality (NPL) as an intervening variable and profitability (ROA) as a endogenous variable. The data were analyzed using path analysis. The result of this study indicate that working capital loan through credit quality indirectly significant negative effect on profitability, but the working capital loan directly positive effect on profitability. While investmen loan and consumer loan positive impact on profitability either directly or indirectly throught credit quality. Finally, credit quality and negative significant effect on profitability.
 Keywords: credit portfolio, working capital loan, investment loan, consumer loan, credit quality, non performing loan (NPL), profitability, return on assets (ROA) and path analysis.
Highlights
Berbagai kebijakan Bank Indonesia dalam menumbuhkan iklim bisnis perbankan di Indonesia menjadi momentum pihak yang berkelebihan dana untuk membuka bisnis perbankan
The population of this research is a Bank Perkreditan Rakyat Convensional from annual report are listed in Perbarindo Riau during 2009-2013 with the number of saturation samples are 33 BPR in Riau
This research apply on using portofolio credit based on a type of used that is working capital loan, investment loan and consumer loan as an exogenous variable, credit quality (NPL) as an intervening variable and profitability (ROA) as a endogenous variable
Summary
Perkreditan Rakyat dibagi atas 4 yaitu: lancar, kurang lancar, diragukan dan macet. Bank wajib membentuk penyisihan penghapusan aktiva produktif (PPAP). B. Cadangan umum PPAP sekurangkurangnya 10% dari aktiva produktif yang digolongkan kurang lancar setelah dikurangi nilai agunan. D. Cadangan umum PPAP sekurangkurangnya 100% dari aktiva produktif yang digolongkan macet setelah dikurangi nilai agunan. Berdasarkan hasil statistic dapat dilihat bahwa N atau jumlah data yang valid untuk NPL (Non Performing Loan), ROA (Return On Asset), KI (Kredit Investasi), KMK (Kredit Modal Kerja), KK (Kredit Konsumsi) adalah sebanyak 165 sampel. Untuk kredit modal kerja memiliki nilai maksimum (75.02), nilai minimum (42.03), rata-rata (54.42) dan standar deviasi (8.24). Dengan demikian koefisien determinasi ini dapat di transformasikan ke dalam rumus: 1 – (1 R12) (1 - R22) = 1 – (0.964 x 0.946) = 1 0.9119 = 0.0881 yang berarti bahwa variabel bebas (kredit modal kerja, kredit investasi, kredit konsumsi) mempengaruhi variabel terikat (kualitas kredit dan profitabilitas) adalah sebesar 8.81%.
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