PENGARUH KREDIT FLEXI DAN LIKUIDITAS TERHADAP KINERJA PERUSAHAAN PADA PT. BANK NEGARA INDONESIA (PERSERO) TBK KANTOR CABANG PALOPO

Abstract

This study aims to determine the effect of: a) kredit flexi, b) likuiditas BNI palopo branch. In writing this thesis, the author uses a preliminary data analysis method, the profitability Ratio represented by the Return On Assets ratio and certain ratios that represent risks be faced by banks, especially Bank BNI palopo branch, to test the research hypotheses that have been previously proposed, using a regression model multiple (multiple regression). This research will examine the effect of kredit flexi and likuiditas on profitability. From the results of this study it is expected to form a decision making on the risks that will be faced by banks in managing credit with kredit flexi and likuiditas conditions that can erode bank business profits. From a series of studies using multiple regression analysis simultaneously that krdedit flexi loan and likuiditas have a significant effect on Return On Assets (ROA), and on partial testing it was found that kredit flexi and likuiditas have positif and significant effect on Return on Assets (ROA).