LEILA HAMDALLA, . (2017) PENGARUH FAKTOR INTERNAL BANK DAN GIRO WAJIB MINIMUM TERHADAP JUMLAH PEMBERIAN KREDIT BANK UMUM YANG TERDAFTAR DI BEI PERIODE 2012- 2016. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.
![[img]](http://repository.unj.ac.id/style/images/fileicons/text.png) |
Text
LEILA HAMDALLA.pdf Download (3MB) |
Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh tingkat kecukupan modal, kredit bermasalah, net interest margin, loan to deposit ratio, serta giro wajib minimum terhadap jumlah pemberian kredit bank umum. Periode penelitian ini selama 5 (lima) tahun, yakni dari tahun 2012-2016. Penelitian ini menggunakan data sekunder berupa laporan keuangan yang diperoleh dari website Bursa Efek Indonesia. Teknik yang digunakan dalam pengambilan sampel adalah purposive sampling dan berdasarkan hasil seleksi sampel diperoleh sebanyak 28 Bank Umum sehingga didapatkan 140 unit analisis sampel. Variabel dependen dalam penelitian ini adalah jumlah pemberian kredit yang di proksikan dengan logaritma natural dari jumlah kredit yang diberikan bank. Sedangkan variabel independen dalam penelitian ini antara lain tingkat kecukupan modal, kredit bermasalah, net interest margin, loan to deposit ratio, dan giro wajib minimum. Untuk mengetahui pengaruh dari variabel independen terhadap variabel dependen tersebut menggunakan analisis regresi linear berganda. Hasil uji t menunjukkan bahwa non perfoming loan berpengaruh secara signifikan dan negatif terhadap jumlah pemberian kredit, sedangkan loan to deposit ratio juga berpengaruh signifikan dan bernilai positif. Capital adequacy ratio dan giro wajib minimum tidak memiliki pengaruh signifikan dan negatif terhadap jumlah pemberian kredit, serta variabel net interest margin juga tidak berpengaruh signifikan dan bernilai positif terhadap jumlah pemberian kredit. This research is conducted to analyze the influence of capital adequacy ratio, non perfoming loan, net interest margin, loan to deposit ratio, and reserve requirement on credit bank. The time period for this research is fives year from 2012-2016, using financial statement taken from the website of Indonesian Stock Exchange. Sampling technique used in this research is purposive sampling and based on the result of sampel selection is obtained 28 commercial bank were chosen as samples. The amount of credit of commercial bank as dependent variable was measured by the natural logarithm of the credit amount given by the bank. The independent variables are capital adequacy ratio, non performing loans, net interest margin, loan to deposit ratio, and reserve requirement. The impact and correlation between dependent and independent variables were tested by multiple regression analysis. The result of t-test showed that non performing loan influence the amount of credit of commercial bank negatively and significantly. Loan to deposit ratio influences the amount of credit of commercial bank positively and significantly. On the other hand, capital adequacy ratio and reserve requirement have no significant and negative influence on credit amount, and net interest margin variable also have no significant and positive effect on credit amount.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Additional Information: | 1) Santi Susanti, S.Pd, M.Ak 2) Tresno Eka Jaya, SE, M.Ak |
| Subjects: | Ilmu Sosial > Perdagangan > Akuntansi |
| Divisions: | FE > S1 Akuntansi |
| Depositing User: | sawung yudo |
| Date Deposited: | 23 Mar 2022 02:03 |
| Last Modified: | 23 Mar 2022 02:03 |
| URI: | http://repository.unj.ac.id/id/eprint/25101 |
Actions (login required)
 |
View Item |
