KUALITAS KREDIT SEBAGAI PEMODERASI PENGARUH TINGKAT PENYALURAN KREDIT DAN BOPO TERHADAP PROFITABILITAS LEMBAGA PERKREDITAN DESA (LPD) SE KECAMATAN KEDIRI TAHUN 2016-2018

Abstract

The purpose of this study was to determine the effect of the level of credit distribution, BOPO on profitability with credit quality as a modulatory variable for LPDs in Kediri District. The sample in this study was 21 LPDs determined using the saturated sampling method where all population members were used as samples. The data source used is a secondary data source in the form of documentation data, namely the 2016-2018 LPD financial report. Data analysis techniques used were descriptive statistics, classic assumption tests include normality test, multicollinearity test, autocorrelation test and heteroskedasticity test, Moderated Regression Analysis (MRA) as well as model feasibility tests which included the coefficient of determination test, F test and t test. The results of this study showed that the level of credit distribution had a positive effect on profitability, while the BOPO had a negative effect on profitability. Credit quality was able to influence the relationship between the level of credit distribution on profitability, while credit quality was not able to affect the relationship between BOPO on profitability.