PENGARUH DANA PHAK KETIGA, CAPITAL ADEQUACY RATIO, KREDIT BERMASAKAH, DAN BI RATE TERHADAP PENYALURAN KREDIT

RYAN RAMADHAN, . (2021) PENGARUH DANA PHAK KETIGA, CAPITAL ADEQUACY RATIO, KREDIT BERMASAKAH, DAN BI RATE TERHADAP PENYALURAN KREDIT. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Sampel penelitian dilakukan pada 30 bank di Indonesia dengan periode penelitian selama 3 tahun mulai tahun 2017-2019. Enelitian ini menggunakan data sekunder berupa laporan keuangan. Metode penelitian ini menggunakan regresi linear berganda dengan model random effect. Penyaluran Kredit sebagai variabel dependen diproksikan log natural dari total penyaluran kredit, sedangkan variabel independen dalam enelitian ini dana pihak ketiga diproksikan akar kuadrat dari logaritma natural total dana pihak ketiga, capital adequacy ratio, kredit bermasalah diproksikan inverse dari logaritma natural total kredit macet, dan BI Rate. Berdasarkan hasil analisis yang dilakukan dalam penelitian ini, dapat disimpulkan bahwa dana pihak ketiga dan kredit bermasalah berpengaruh signifikan terhadap penyaluran kredit, sedangkan capital adequacy ratio dan BI Rate tidak berpengaruh signifikan terhadap penyaluran kredit. Kata Kunci: Penyaluran Kredit, Dana Pihak Ketiga, Capital Adequacy Ratio, BI Rate The research sample was conducted at 30 banks in Indonesia with a research period of 3 years starting 2017-2019. This research uses secondary data in the form of financial reports. This research method uses multiple linear regression with a random effect model. Credit distribution as the dependent variable is proxied by the natural log of total loan disbursement, while the independent variable in this study is that third party funds are proxied by the square root of the natural logarithm of total third party funds, capital adequacy ratio, non-performing loans are proxied inversely from the natural logarithm of total bad credit, and BI Rate. Based on the results of the analysis conducted in this study, it can be concluded that third party funds and non-performing loans have a significant effect on lending, while the capital adequacy ratio and the BI Rate have no significant effect on lending. Keywords: Lending,, Third Party Funds, Capital Adequacy Ratio,Non Performig Loan, BI Rate

Item Type:	Thesis (Sarjana)
Additional Information:	Diah Armeliza, SE, M.Ak. ; Dr. Rida Prihatni, SE., M.Si,Ak,CA,CMA
Subjects:	Ilmu Sosial > Perdagangan > Akuntansi
Divisions:	FE > S1 Akuntansi
Depositing User:	Users 9902 not found.
Date Deposited:	07 Mar 2021 20:06
Last Modified:	07 Mar 2021 20:06
URI:	http://repository.unj.ac.id/id/eprint/14179

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