Peluang dan Tantangan Merger Bank Perkreditan Rakyat dan Bank Kredit Kecamatan (Bpr – Bkk) di Kabupaten Banjarnegara

By taking title " OPPORTUNITY AND CHALLENGE MERGER of BANK CREDIT of PEOPLE AND CREDIT BANK SUBDISTRICT ( BPR - BKK) IN. KAB. DATI II BANJARNEGARA", which its Obyek Research is Regency Banjarnegara, hence instruct and target of than this research is: 1). What conducted ly of merger among the BPR-BKK able to improve the asset and also CAR which in turn will be able to improve the profitability by signifikan. Or equally, merger have the big opportunity to increase profitability of the People Credit Bank. 2). What after the happening of fund addition mustered and LDR in the reality exactly lessen the bank profitability. especial Challenge cause when merger conducted is possibility of the happening of big enough fund accumulation, what can result the difficulty in channelling, cause theoretically improvement LDR own the potency to lessen profitability. Refering to above mentioned intention is hence conducted by research by using case study method, whereas data type required by data sekunder. Data type required to be adapted for a appliance requirement analyse. Pursuant to result analyse, obtained by evidence that: a. From result analyse the provable data that F Calculate > F of Tables ( 4,382 > 1,83 ), hence Ho refused. Meaning that there is independent variable influence ( ASSET Variable, FUND Variable, Variable CAR, Variable LDR, Variable D1) by together to variable dependen ( variable PM (profit margin ) BPR / BKK Banjarnegara pasca merger). This means that merger have the big opportunity to increase profitability of the People Credit Bank. b. After the happening of fund addition mustered and LDR in the reality exactly improve the bank profitability. Become the especial challenge when merger conducted by possibility of the happening of big enough fund accumulation, what can result the difficulty in channelling, cause theoretically improvement LDR own the potency to lessen the profitability, unprovable. This matter is proved with the calculation result at tables 11. Coeffcients ( matter. 56 ) seen that Beta coefficient for the variable of X1 ( ASSET Variable) equal to 4,833 by t statistical equal to 4,427, whereas variable X2 ( FUND Variable) equal to 5,563, by t statistical equal to 4,216; variable X3 ( Variable CAR) equal to 3,277, by t statistical equal to 5,210; and variable X4 ( Variable LDR) equal to 3,840, by t statistical equal to 3,357 thereby clear hence that variable X2 ( FUND Variable) represent the most having an effect on independent variable to variable dependen ( variable PM ( profit margin )) BPR / BKK Banjarnegara pasca merger. Key Word: BANK CREDIT, MERGER, ASSET Variable, FUND Variable, Variable CAR, Variable LDR, Variable D