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All Journal Journal AK-99
Qonita Mashna'ul Azizah
Universitas Muhamadiyah Ponorogo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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DETERMINASI PENYALURAN KREDIT BANK UMUM DI INDONESIA: PERAN DANA PIHAK KETIGA DAN LOAN TO DEPOSIT RATIO Andina Endartika Sari; Tanti Wijaya; Qonita Mashna'ul Azizah; Helda Rivatul Mahmuddah; Diana Pramudya Wardhani
Journal AK-99 Vol. 6 No. 1 (2026): Journal AK-99
Publisher : Program Studi Akuntansi Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31850/ak99.v6i1.4300

Abstract

This study aims to analyze the influence of Third Party Funds (TPF) and the Loan-to-Deposit Ratio (LDR) on credit disbursement at commercial banks in Indonesia. The study subjects included PT Bank Mandiri (Persero) Tbk, PT Bank Central Asia Tbk, and PT Bank Rakyat Indonesia (Persero) Tbk, with an observation period of 2021–2024. This study employed a quantitative approach with secondary data obtained from each bank's annual financial reports. The analytical method used was multiple linear regression with the aid of SPSS software. The results indicate that, partially, Third Party Funds (TPF) have a positive and significant effect on credit disbursement, and the Loan-to-Deposit Ratio (LDR) also has a positive and significant effect. Simultaneously, both TPF and LDR significantly influence credit disbursement. The coefficient of determination indicates that most of the variation in credit disbursement can be explained by these two variables. This study concludes that increasing the collection of Third Party Funds (TPF) and optimal management of the Loan-to-Deposit Ratio (LDR) play a crucial role in boosting the banking intermediation function in Indonesia.
Co-Authors Andina Endartika Sari Diana Pramudya Wardhani Helda Rivatul Mahmuddah Tanti Wijaya