Analisis Dana Pihak Ketiga, Kredit Bermasalah, dan Laba (Studi Kasus PT Bank X Tbk)
Heni Rohaeni
Departemen Manajemen, Fakultas Ekonomi dan Manajemen
Institut Pertanian Bogor
Wita Juwita Ermawati
Departemen Manajemen, Fakultas Ekonomi dan Manajemen
Institut Pertanian Bogor
ABSTRACT
Economic growth is a measure of the national development of the world where
banks play an important role in the stability of economic growth. The main function of
banks is as a collector and distributor of public funds that aims to increase the standard
of living people. Successfully collected funds will be channeled back in the form of
credit. Currently, the bank main income is derived from distribution of credit. However,
credit is also one of the factors that caused banking collapse when credit problems
happened. So, management of funds of third parties becomes an important thing that
it is a credit risk from funds distribution. This study aims to (1) Analyze the composition
of third party funds (savings, giro, deposito), and (2) Analyze the development of DPK,
NPL, and profit. Research conducted in the PT Bank X Tbk.
From the research, it was found that the composition of the funds of third parties
on PT Bank X is dominated by deposito that has the largest contribuion to the total of
DPK (56,50%), while savings and giro has contributed almost the same, namely
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