PEMODELAN EKONOMETRIKA AGRESIVITAS PEMBERIAN KREDIT DI BANK PERKREDITAN RAKYAT

  • Putu Agus Ardiana
  • Ni Putu Indah Purnama Sari

Abstract

This paper aims to investigate independent variables affecting loanaggressiveness of rural banks proxied by the growth of loan through aneconometric modeling. We initially identified 13 variables affecting the ratio butwe then dropped a number of independent variables insignificantly affecting thedependent variabel. Conducting 13 modelling, the last econometric model is aBLUE (Best Linear Unbiased Estimators) model implying that the model has noclassical assumptions problems at all. The BLUE model suggests thatindependent variables affecting loan aggressiveness of rural banks are thegrowth of third-party deposits and Return on Assets (ROA).

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Author Biographies

Putu Agus Ardiana
Jurusan Akuntansi,Fakultas Ekonomi Universitas Udayana
Ni Putu Indah Purnama Sari
Jurusan Akuntansi,Fakultas Ekonomi Universitas Udayana
How to Cite
AGUS ARDIANA, Putu; INDAH PURNAMA SARI, Ni Putu. PEMODELAN EKONOMETRIKA AGRESIVITAS PEMBERIAN KREDIT DI BANK PERKREDITAN RAKYAT. Jurnal Ilmiah Akuntansi dan Bisnis, [S.l.], v. 6, n. 1, jan. 2011. ISSN 2303-1018. Available at: <https://ojs.unud.ac.id/index.php/jiab/article/view/2650>. Date accessed: 21 oct. 2021.
Section
Articles

Keywords

Rural Banks, Loan Aggressiveness, Growth of Third-Party Deposit and ROA