FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT PADA BANK UMUM DI INDONESIA

ABSYIRNI ARI GAYO, . (2022) FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT PADA BANK UMUM DI INDONESIA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Dana Pihak Ketiga, NonPerforming Loan, Capital Adequacy Ratio, BOPO dan Net Interest Margin terhadap Penyaluran Kredit. Variabel bebas yang digunakan dalam penelitian ini adalah Dana Pihak Ketiga, Non-Performing Loan, Capital Adequacy Ratio, BOPO dan Net Interest Margin. Variabel terikat yang digunakan dalam penelitian ini adalah Penyaluran Kredit. Penelitian ini menggunakan data sekunder yaitu laporan tahunan perusahaan yang terdaftar dalam Bursa Efek Indonesia periode 2017-2020 (124 Sampel). Metode pengambilan sampel yang digunakan dalam penelitian ini yaitu metode purposive sampling. Penelitian ini menggunakan metode analisis data panel yang diolah menggunakan aplikasi E-Views 12. Hasil penelitian menunjukkan bahwa Dana Pihak Ketiga dan Net Interest Margin berpengaruh signifikan positif terhadap penyaluran kredit. Sedangkan Non-Performing Loan, Capital Adequacy Ratio, dan BOPO tidak berpengaruh signifikan terhadap penyaluran kredit. Berdasarkan hasil tersebut maka dapat dikatakan bahwa kenaikan atau turunnya dari nilai Dana Pihak Ketiga dan Net Interest Margin dapat mempengaruhi total kredit yang akan disalurkan oleh Bank. Kata kunci: Dana Pihak Ketiga, Non-Performing Loan, Capital Adequacy Ratio, BOPO, Net Interest Margin, penyaluran kredit This study aims to determine the effect of Third Party Funds, Non-Performing Loans, Capital Adequacy Ratio, BOPO and Net Interest Margin on Credit Distribution. The independent variables used in this research are Third Party Funds, Non-Performing Loans, Capital Adequacy Ratio, BOPO and Net Interest Margin. The dependent variable used in this study is Credit Distribution. This study uses secondary data, namely the annual reports of companies listed on the Indonesia Stock Exchange for the 2017-2020 period (124 Sample). The sampling method used in this research is the purposive sampling method. This study uses a panel data analysis method which is processed using the E-Views 12 application. The results showed that Third Party Funds and Net Interest Margin had a significant positive effect on Credit Distributions. Meanwhile, Non-Performing Loan, Capital Adequacy Ratio, and BOPO have no significant effect on Credit Distributions. Based on these results, it can be said that the increase or decrease in the value of Third Party Funds and Net Interest Margin can affect the total credit to be distributed by the Bank. Keywords: Third Party Funds, Non-Performing Loans, Capital Adequacy Ratio, BOPO, Net Interest Margin, Credit Distribution

Item Type: Thesis (Sarjana)
Additional Information: 1). Dr. Rida Prihatni, SE., M.Si ; 2). Diah Armeliza, SE, M.Ak
Subjects: Ilmu Sosial > Perdagangan, e-commerce > Akuntansi
Ilmu Sosial > Keuangan
Divisions: FE > S1 Akuntansi
Depositing User: Users 14464 not found.
Date Deposited: 18 Mar 2022 01:47
Last Modified: 18 Mar 2022 01:47
URI: http://repository.unj.ac.id/id/eprint/24577

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