Afiadinie, Resti (2020) Optimasi Interest Income dengan Penetapan Interest Rate Fasilitas Revolving Credit Line. Masters thesis, Institut Teknologi Sepuluh Nopember.
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Abstract
Perbankan memiliki peranan strategis sebagai lembaga intermediasi yang akan menyalurkan dana dari pihak yang memiliki kelebihan dana (savers) dengan kedudukan sebagai penabung ke pihak yang memerlukan dana (borrowers). Hal tersebut sejalan dengan kebutuhan dari perusahaan untuk mendapatkan pendanaan untuk menunjang kegiatan perusahaan. Perbankan akan menyediakan pendanaan bagi perusahaan berupa credit line yang dikenal juga sebagai revolving credit line untuk memenuhi kebutuhan likuiditas jangka pendek serta juga menyediakan kredit berjangka untuk pembiayaan investasi jangka panjang.
Fasilitas revolving credit line memberikan keleluasaan dari perusahaan sebagai debitur untuk menggunakan fasilitas kredit dengan batas atas sesuai dengan maksimum kredit yang diberikan dengan kewajiban untuk melakukan pembayaran beban bunga sesuai dengan nilai penggunaan fasilitas revolving credit line. Fleksibiltas tersebut menyebabkan tingkat utilitas penggunaan fasilitas revolving credit line belum optimal sehingga akan mempengaruhi pencapaian interest income.
Penelitian ini dilakukan untuk mengetahui pengaruh karakteristik credit line, perusahaan sebagai debitur, dan perbankan sebagai kreditur terhadap utilitas fasilitas revolving credit line serta dilakukan permodelan regresi untuk prediksi utilitas credit line (UCL) debitur. Berdasarkan persamaan yang dihasilkan diketahui bahwa Line Age (LAGE), Asset, Return of Asset (ROA), dan Equity to Asset (ETA) berpengaruh negatif terhadap UCL. Sedangkan rasio Non Performing Loan (NPL) berpengaruh positif terhadap UCL.
Optimasi interest income dilakukan dengan data UCL berdasarkan prediksi dari persamaan regresi tersebut. Metode yang digunakan dalam optimasi interest income adalah metode linear programming. Hasil optimalisasi tersebut menjadi acuan kreditur untuk menetapkan interest rate kepada debitur. Adapun hasil optimasi yang dilakukan terhadap asset eksisting mampu mencapai interest income sebesar Rp.241,63 M dan target yield yang ditetapkan sebesar 9,00%. Optimasi tersebut dapat pula dilakukan guna perencanaan ekspansi penyaluran kredit sehingga perbankan memiliki acuan range maksimum penyaluran kredit dalam setiap tiering suku bunga dan juga acuan penetapan interest rate atas fasilitas kredit yang disalurkan kepada debitur.
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Banking has a strategic role as an intermediary institution that will fund from parties who have excess funds (savers) with a position as savers to those who need funds (borrowers). This is in line with the needs of companies to obtain funding to support company activities. The bank will provide funding for companies in the form of a credit line, also known as a revolving credit line to meet short-term liquidity needs and also provide term loans for long-term investment financing.
Revolving credit line provides flexibility of the company as a debtor to use credit facilities depends on maximum credit limit and the company must pay interest expense which is calculated based on utility of credit line. This flexibility causes utility of credit line facilities to be suboptimal so that it will affect the achievement of interest income.
This study was conducted to determine the effect of credit line characteristics, companies as debtors, and banks as creditors on the utility of revolving credit line facilities and create regression modeling to predict debtor credit line (UCL) utilities. Based on the resulting equation it is known that Line Age (LAGE), Asset, Return of Asset (ROA), and Equity to Asset (ETA) have a negative effect on UCL. While the Non Performing Loan (NPL) ratio has a positive effect on UCL.
Interest income optimization used UCL based on prediction model by linear regression. The method used in optimizing interest incoms is linear programming method. The results of this optimization become a reference for creditor to set interest rates for debtors. Optimization of existing assets are able to achieve interest income at IDR 241,63 billion and achieve yield target at 9,00%. Optimization interest income can be applied to plan credit expansion so creditor has reference the maximum range of credit distribution and also determine of interest rate’s debtors.
| Item Type: | Thesis (Masters) |
|---|---|
| Additional Information: | RTMT 658.403 Afi o-1 |
| Uncontrolled Keywords: | revolving credit line, utilitas, yield, interest rate, interest income, ekspansi |
| Subjects: | T Technology > T Technology (General) > T174 Technological forecasting T Technology > T Technology (General) > T57.62 Simulation T Technology > T Technology (General) > T58.62 Decision support systems |
| Divisions: | Faculty of Creative Design and Digital Business (CREABIZ) > Technology Management > 61101-(S2) Master Thesis |
| Depositing User: | Resti Afiadinie |
| Date Deposited: | 08 May 2023 02:59 |
| Last Modified: | 08 May 2023 02:59 |
| URI: | http://repository.its.ac.id/id/eprint/73500 |
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