Pengaruh non-performing loan, dana pihak ketiga, kredit, dan giro wajib minimum terhadap cash holdings bank umum dengan trust sebagai moderasi
P enelitian ini bertujuan untuk mengkaji dan memperoleh bukti empiris tentang pengaruh non-performing loan, dana pihak ketiga, kredit, dan giro wajib minimum terhadap cash holdings bank umum dengan trust sebagai moderasi. Sampel yang digunakan didalam penelitian ini adalah 42 bank umum yang terdaftar di Bursa Efek Indonesia (BEI) selama 2015-2017, periode dimana cash holdings bank-bank umum di Indonesia sedang tinggi. Metode analisis data yang digunakan adalah analisis regresi berganda dengan moderasi. Hasil penelitian menunjukkan bahwa non-performing loan dan kredit berpengaruh negatif terhadap cash holdings. Dana pihak ketiga berpengaruh positif terhadap cash holdings. Giro wajib minimum tidak berpengaruh terhadap cash holdings. Trust memperkuat pengaruh positif dana pihak ketiga terhadap cash holdings. Namun, trust tidak memperkuat pengaruh negatif kredit terhadap cash holdings.
T his study aims to examine and obtain empirical evidence about the effect of non-performing loan, third party funds, credit, and minimum statutory reserves on cash holdings of public banks with trust as moderation. Sample used in this research are 42 samples of public banks listed on the Indonesia Stock Exchange (IDX) during 2015-2017, the period when cash holdings of public banks in Indonesia were high. The data analysis method used is multiple regression analysis with moderation. The results showed that non-performing loan and credit had a negative effect on cash holdings. Third party funds had a positive effect on cash holdings. Minimum statutory reserves doesn’t affect the cash holdings. Trust strengthen the positive influence of third party funds on cash holdings. However, trust does not strengthen the negative influence of credit on cash holdings.