CHAIRUNISA EFENDI, . (2024) PENGARUH DANA PIHAK KETIGA, RISIKO KREDIT, KECUKUPAN PERMODALAN BANK, DAN EFISIENSI BANK TERHADAP PENYALURAN KREDIT BANK UMUM KONVENSIONAL. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.
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Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh dana pihak ketiga, risiko kredit, kecukupan permodalan bank, dan efisiensi bank terhadap penyaluran kredit. Variabel independen dalam penelitian ini adalah dana pihak ketiga, risiko kredit, kecukupan permodalan bank, dan efisiensi bank sementara variabel dependennya adalah penyaluran kredit. Populasi dari penelitian ini yaitu seluruh laporan keuangan tahunan bank umum konvensional yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2018-2023. Teknik pengambilan sampel yang digunakan yaitu random sampling dan diperoleh sebanyak 140 laporan keuangan bank umum konvensional tahun 2018-2023 yang menjadi sampel penelitian. Metode analisis data yang digunakan adalah regresi data panel. Hasil penelitian ini menunjukkan bahwa secara parsial dana pihak ketiga, risiko kredit, serta kecukupan permodalan bank berpengaruh positif terhadap penyaluran kredit bank umum konvensional, sedangkan efisiensi bank secara parsial tidak berpengaruh terhadap penyaluran kredit bank umum konvensional. Kata Kunci: Dana Pihak Ketiga, Risiko Kredit, Kecukupan Permodalan Bank, Efisiensi Bank, Penyaluran Kredit, Bank Umum Konvensional ***** This study aims to analyse the influence of third party funds, credit risk, bank capital adequacy, and bank efficiency on credit distribution. The independent variables in this study are third party funds, credit risk, bank capital adequacy, and bank efficiency while the dependent variable is credit distribution. The population of this study is the annual financial statements of conventional commercial banks listed on the Indonesia Stock Exchange (IDX) in 2018-2023. The sampling technique used was random sampling and obtained 140 financial reports of conventional commercial banks in 2018-2023 which became the research sample. The data analysis method used is panel data regression. The results of this study indicate that partially third-party funds, credit risk, and bank capital adequacy have a positive influence on conventional commercial bank credit distribution, while bank efficiency partially has no influence on conventional commercial bank credit distribution. Keywords: Third-Party Funds, Credit Risk, Bank Capital Adequacy, Bank Efficiency, Credit Distribution, Conventional Commercial Banks
Item Type: | Thesis (Sarjana) |
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Additional Information: | 1). Dr. Etty Gurendrawati, M.Si, Ak. ; 2). Santi Susanti, S.Pd., M.Ak. |
Subjects: | Ilmu Sosial > Industri, Buruh, Produksi > Perbankan Ilmu Sosial > Keuangan |
Divisions: | FE > S1 Akuntansi |
Depositing User: | Users 25015 not found. |
Date Deposited: | 29 Aug 2024 05:53 |
Last Modified: | 29 Aug 2024 05:53 |
URI: | http://repository.unj.ac.id/id/eprint/50656 |
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