PENGARUH LIKUIDITAS PERBANKAN (CASH RATIO) DAN DANA PIHAK KETIGA TERHADAP PENYALURAN KREDIT UMKM PADA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2020-2025

KHEISYA NABILLAH HANDAYANI, . (2026) PENGARUH LIKUIDITAS PERBANKAN (CASH RATIO) DAN DANA PIHAK KETIGA TERHADAP PENYALURAN KREDIT UMKM PADA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2020-2025. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Kheisya Nabillah Handayani, Pengaruh Likuiditas Perbankan (Cash Ratio) dan Dana Pihak Ketiga terhadap Penyaluran Kredit UMKM pada Bank yang Terdaftar di Bursa Efek Indonesia Periode 2020-2025, Skripsi Jakarta: Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta. 2026 Penelitian ini bertujuan untuk menganalisis pengaruh Cash Ratio dan Dana Pihak Ketiga terhadap penyaluran kredit UMKM, dengan Non-Performing Loan (NPL) sebagai variabel kontrol. Penelitian menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan triwulanan 24 bank yang terdaftar di Bursa Efek Indonesia (4 BUMN dan 20 BUSN) periode 2020-2025, dengan total 576 observasi, yang dipilih melalui teknik purposive sampling. Data dianalisis menggunakan regresi data panel dengan model Fixed Effect yang dikoreksi dengan Driscoll-Kraay standard errors, dibandingkan pada tiga model, yaitu bank BUMN, BUSN, dan gabungan keduanya. Hasil penelitian menunjukkan bahwa Cash Ratio tidak berpengaruh signifikan terhadap penyaluran kredit UMKM pada ketiga model. Dana Pihak Ketiga juga tidak berpengaruh signifikan pada bank BUMN, namun berpengaruh negatif dan signifikan pada bank BUSN dan model gabungan. NPL tidak berpengaruh signifikan pada ketiga model. Temuan ini mengindikasikan bahwa penyaluran kredit UMKM lebih dipengaruhi oleh karakteristik kepemilikan dan orientasi bisnis bank dibandingkan kondisi likuiditas jangka pendek maupun kualitas kredit, yang sejalan dengan Financial Intermediation Theory bahwa fungsi intermediasi bank dalam menyalurkan kredit tidak hanya dipengaruhi oleh kemampuan menghimpun dana dan menjaga likuiditas, tetapi juga oleh karakteristik dan kebijakan masing-masing bank. Kata Kunci: cash ratio, dana pihak ketiga, non-performing loan, penyaluran kredit UMKM, fixed effect model, Driscoll-Kraay. ***** Kheisya Nabillah Handayani, The Effect of Bank Liquidity (Cash Ratio) and Third-Party Funds on Micro, Small, and Medium Enterprises (MSMEs) Credit Distribution at Banks Listed on the Indonesia Stock Exchange for the Period 2020-2025, Undergraduate Thesis Jakarta: Faculty of Economics and Business, Universitas Negeri Jakarta. 2026. This study aims to analyze the effect of Cash Ratio and Third-Party Funds on MSME credit distribution, with Non-Performing Loan (NPL) as a control variable. A quantitative approach is used with secondary data from quarterly financial statements of 24 banks listed on the Indonesia Stock Exchange (4 state-owned and 20 national private banks) for the 2020-2025 period, totaling 576 observations, selected through purposive sampling. Data were analyzed using panel data regression with the Fixed Effect Model corrected with Driscoll-Kraay standard errors, compared across three models: state-owned banks, national private banks, and the combined sample. The results show that Cash Ratio has no significant effect on MSME credit distribution in any of the three models. Third-Party Funds also has no significant effect for state-owned banks, but has a significant negative effect for national private banks and the combined model. NPL has no significant effect across all models. These findings indicate that MSME credit distribution is more strongly influenced by bank ownership characteristics and business orientation than by short-term liquidity conditions or credit quality, which is consistent with the Financial Intermediation Theory, suggesting that banks' intermediary function in channeling credit is influenced not only by their ability to mobilize funds and maintain liquidity, but also by their ownership characteristics and business policies. Keywords: cash ratio, third-party funds, non-performing loan, MSME credit distribution, fixed effect model, Driscoll-Kraay

Item Type:	Thesis (Sarjana)
Additional Information:	1) Prof. Dr. Umi Widiyastuti, S.E., M.E. 2) Dicky Iranto, S.E., M.SE.
Subjects:	Ilmu Sosial > Keuangan Manajemen > Manajemen , Business
Divisions:	FE > S1 Manajemen
Depositing User:	Kheisya Nabillah Handayani .
Date Deposited:	05 Aug 2026 06:53
Last Modified:	05 Aug 2026 06:53
URI:	http://repository.unj.ac.id/id/eprint/68577

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