Loan To Deposit Ratio terhadap Profitablitas

Loan to Deposit Ratio atau LDR (Riyadi, 2015:199) merupakan perbandingan total kredit terhadap Dana Pihak Ketiga (DPK) yang dihimpun oleh Bank. Rasio ini akan menunjukan tingkat kemampuan Bank dalam menyalurkan dananya yang berasal dari masyarakat (berupa: Giro, Tabungan, Deposito Berjangka, Sertifikat Deposito Berjangka dan Kewajiban Segera Lainnya) dalam bentuk Kredit. Jika dikembangkan lebih lanjut maka dibandingkannya tidak hanya terhadap Kredit tetapi ditambah dengan Surat Berharga Yang Diterbitkan (Obligasi) dan Modal Inti (Riyadi, 2015 :200).  Untuk Bank syariah dikenal dengan Funding to Deposit Ratio (FDR) yaitu perbandingan antara Jumlah Pembiayaan dibandingkan dengan total DPK yang dapat dhimpun bank syariah. Yang berlaku saat ini adalah Loan to Funding Ratio (LFR) sama dengan LDR hanya pembandingnya ditambah dengan Surat berharga yang diterbitkan (Riyadi, 2015:201), Rasio LFR yang diperkenankan Bank Indonesia saat ini adalah >78% – 92%. Dan jika memenuhi persyaratan yaitu memenuhi rasio kredit usaha mikro, kecil dan menengah (UMKM), NPL kredit gros dibawah 5% dan rasio NPL UMKM juga dibawah 5% maka LFR batas atas menjadi 94%.  Artinya jika bank memiliki rasio LFR berkisar diangka tersebut ini dianggap bank-nya sehat dalam mengelola dananya.

Sebetulnya bila dikaji lebih jauh ketentuan besarnya rasio LDR atau LFR untuk batas atas bisa melebih angka 94%, sepanjang menggunakan sumber dana yang tidak berasal dari pinjaman antar bank (Pasar Uang Antar Bank/ PUAB), sehingga optimalisasi dana yang dimiliki bank dapat dilakukan, hal ini dapat menguntungkan pelaku bisnis disamping bank itu sendiri. Bagi pelaku binsis mempunyai peluang untuk mendapatkan kredit yang lebih besar dari perbankan, sedang bagi bank memberi kesempatan untuk meningkatkan profitabilitasnya.

Bagaimana pengaruh LDR/ LFR terhadap profitabilitas bank ? Tingkat profitabilitas bank bisa dikur dengan menggunakan return on assets (ROA) atau atau return on equity (ROE). Jika LDR naik atau tinggi maka pendapatan bank dipastikan akan naik, dalam arti memiliki pengaruh yang positif, tentunya sepanjang pemberian kreditnya telah dilakukan secara prudential dan compliance terhadap ketentuan yang ada sehingga tidak menimbulkan kredit bermasalah. Mengapa demikian ? Karena semakin banyak kredit yang diberikan akan semakin tinggi juga pendapatan bunga bank, karena kredit bagi perbankan Indonesia masih menjadi satusatunya sumber pendapatan yang sangat menentukan besar kecilnya laba yang siperoleh, berbeda dengan bank di negara-negara maju seperti Singapore, Amerika dan Jepang. Lalu bagaimana pengaruhnya terhadap tingkat kesehatan bank ? Akan berpengaruh positif , karena pada akhirnya jumlah permodalan bank akan naik (nominal) dengan demikian Capital Adequacy Ratio juga akan mengalami kenaikan, ini berarti memberi peluang kepada bank utnuk melakukan ekspansi kredit baru lagi, demikian seterusnya.

Rererensi :

Riyadi, Selamet, 2015. Banking Assets And Liability Management, Lemabag Penerbit Fakultas Ekonomi Universitas Indonesia

What Goes Around, Comes Around

I almost forget, if I have this nice story. I got it from my friend, and it kept for several times in my folder. Until I found it again this morning, and decided to share it in this blog. A very nice story for start our new blessed day ^_^.

The man slowly looked up. This was a woman clearly accustomed to the finer things of life. Her coat was new. She looked like she had never missed a meal in her life. His first thought was that she wanted to make fun of him, like so many others had done before.
“Leave me alone,” he growled… To his amazement,the woman continued standing.. She was smiling – her even white teeth displayed in dazzling rows.
“Are you hungry?” she asked. “No,” he answered sarcastically. “I’ve just come from dining with the president… Now go away.”
The woman’s smile became even broader. Suddenly the man felt a gentle hand under his arm. “What are you doing, lady?” the man asked angrily. “I said to leave me alone..”
Just then a policeman came up. “Is there any problem, ma’am?” he asked.
“No problem here, officer,” the woman answered. “I’m just trying to get this man to his feet.. Will you help me?”
The officer scratched his head. “That’s old Jack. He’s been a fixture around here for a couple of years. What do you want with him?”
“See that cafeteria over there?” she asked. “I’m going to get him something to eat and get him out of the cold for awhile.”
“Are you crazy, lady?” the homeless man resisted. “I don’t want to go in there!” Then he felt strong hands grab his other arm and lift him up.
“Let me go, officer. I didn’t do anything..”
“This is a good deal for you, Jack,” the officer answered. “Don’t blow it”.

“Finally, and with some difficulty, the woman and the police officer got Jack into the cafeteria and sat him at a table in a remote corner. It was the middle of the morning, so most of the breakfast crowd had already left and the lunch bunch had not yet arrived.
The manager strode across the cafeteria and stood by his table. “What’s going on here, officer?” he asked.”What is all this, is this man in trouble?”
“This lady brought this man in here to be fed,” the policeman answered.
“Not in here!” the manager replied angrily. “Having a person like that here is bad for business.”
Old Jack smiled a toothless grin.. “See, lady. I told you so. Now if you’ll let me go. I didn’t want to come here in the first place.”
The woman turned to the cafeteria manager and smiled.”Sir, are you familiar with Eddy and Associates,the banking firm down the street?”
“Of course I am,” the manager answered impatiently. “They hold their weekly meetings in one of my banquet rooms..”
“And do you make a goodly amount of money providing food at these weekly meetings?”
“What business is that of yours?”
“I, sir, am Penelope Eddy, president and CEO of the company.”

The woman smiled again.. “I thought that might make a difference.”
She glanced at the cop who was busy stifling a laugh..”Would you like to join us in a cup of coffee and a meal, officer?”
“No thanks, ma’am,” the officer replied. “I’m on duty.”
“Then, perhaps, a cup of coffee to go?” “Yes, ma’am.. That would be very nice.”
The cafeteria manager turned on his heel.. “I’ll get your coffee for you right away, officer.”
The officer watched him walk away… “You certainly put him in his place,” he said.
“That was not my intent…. Believe it or not, I have a reason for all this.”

She sat down at the table across from her amazed dinner guest. She stared at him intently.
“Jack, do you remember me?”
Old Jack searched her face with his old, rheumy eyes.”I think so — I mean you do look familiar.”
“I’m a little older perhaps,” she said. “Maybe I’ve even filled out more than in my younger days when you worked here, and I came through that very door, cold and hungry.”
“Ma’am?” the officer said questioningly. He couldn’t believe that such a magnificently turned out woman could ever have been hungry.

“I was just out of college,” the woman began. “I had come to the city looking for a job, but I couldn’t find anything. Finally I was down to my last few cents and hadbeen kicked out of my apartment. I walked the streets for days. It was February and I was cold and nearly starving.. I saw this place and walked in on the off chance that I could get something to eat.”
Jack lit up with a smile. “Now I remember,” he said. “I was behind the serving counter. You came up and asked me if you could work for something to eat. I said that it was against company policy..”
“I know,” the woman continued. “Then you made me the biggest roast beef sandwich that I had ever seen, gave me a cup of coffee, and told me to go over to a corner table and enjoy it. I was afraid that you would get into trouble. Then, when I looked over and saw you put the price of my food in the cash register, I knew then that everything would be all right…”

“So you started your own business?” Old Jack said.
“I got a job that very afternoon. I worked my way up”.
Eventually I started my own business that, with the help of God, prospered..” She opened her purse and pulled out a business card.
“When you are finished here, I want you to pay a visit to a Mr.Lyons. He’s the personnel director of my company.. I’ll go talk to him now and I’m certain he’ll find something for you to do around the office.”
She smiled. “I think he might even find the funds to give you a little advance so that you can buy some clothes and get a place to live until you get on your feet. If you ever need anything, my door is always open to you.”

There were tears in the old man’s eyes. “How can I ever thank you?” he asked.
“Don’t thank me,” the woman answered. “To God goes the glory. He led me to you.”
Outside the cafeteria, the officer and the woman paused at the entrance before going their separate ways. “Thank you for your help officer,” she said.
“On the contrary, Ms. Eddy,” he answered. “Thank you. I saw a miracle today, something that I will never forget, And thank you for the coffee.”

Have a Wonderful Day. May God Bless You always and don’t forget that when you “cast your bread upon the waters,” you never know how it will be returned to you. God is so big He can cover the whole world with his Love and so small He can curl up inside your heart .
When God leads you to the edge of the cliff, trust Him fully and let go. Only 1 of 2 things will happen, either He’ll catch you when you fall, or He’ll teach you how to fly!

The power of one sentence! God is going to shift things around for you today and let things work in your favor. God closes doors no man can open; God opens doors no man can close. Have a blessed day and remember to be a blessing.

Have a good day
Image from Google