ANALISIS PENGARUH PEMBERIAN KREDIT TERHADAP PROFITABILITAS PT. BANK PEMBANGUNAN DAERAH (BPD) SUMATERA BARAT
This study was conducted to determine the effect of credit on profitability at PT. BPD of West Sumatra. Especially during the last 5 years (2007-2011). The problem in this study is whether the credit effect on profitability ratios using measuring devices Return On Investment (ROI) and Return On Equity (ROE). To analyze the data used correlation coefficient, coefficient of determination and simple regression analysis. From the results of research conducted indicates that credit has positive influence on the measuring instrument ROI. From the results of regression testing obtained significant value of 0.036. This means a significant difference between the provision of credit to the ROI because of the significant value below the significance level (α)=0.05. The extension of credit has a significant influence on ROE. Based on test results obtained significant regression of 0.007. This means a significant difference between the provision of credit to the return on equity because of the significant value is below the real level (α)= 0.05. From the research results are also obtained by the value of the coefficient of determination (r2)=0.203 which means that 20.3% ROI which can be explained by the provision of credit and the remaining 79.7% is influenced by other factors. As for the ROE coefficient of determination (r2)=0.594 which means that 59.4% ROE can be explained by the provision of credit and the remaining 40.6% is influenced by other factors .