Analisis Loan to Deposite Ratio pada Bank Pemerintah dan Bank Swasta di Kalimantan Barat

Abstract

This study titled analyzes loan to deposite ratio (LDR) at government banks and private bank in west Kalimantan. The problem is how the development loan to deposite ratio in state bank and private bank in west Kalimantan. While the purpose of this study is to analyzes the ratio of loan to deposite ratio at government banks and private banks.

In this study the author uses descriptive research mhetod is done by collecting nominal to get an overview of the reseach result. Approach is the method used in this research is quantitative method, A process of discovering knowledge in the form of figures that tracks that find information about what we want to know. The amount of data used was eight years old in each quarter.

The result showed that the level of development of LDR on government banks and private banks based safe limits its loan to deposite ratio of a bank is about 85% - 100% or according Kasmir safe limits for LDR according to government regulations is a maximum of 100. Then the state banks have the highest LDR figure of 89,30% and the lowest value of 79,90%. While private banks are still under the safe LDR value occurs only once in 2012 to the IV quarter with 88,3%   LDR figure, While the lowest figure 61,2%