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Journal : Diponegoro Journal of Management

PENGARUH DPK, ROA, CAR, NPL, DAN JUMLAH SBI TERHADAP PENYALURAN KREDIT PERBANKAN (Studi Pada Bank Umum Go Public di Indonesia Periode 2008-2011) Oktaviani, Oktaviani; Rini Demi Pangestuti, Irene
Diponegoro Journal of Management Volume 1, Nomor 4, Tahun 2012
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

Credit is one way to develop the economic of our country. Commercial bank can get more revenue from interest income from lending. This research aims to analyze influence of variables Third Party of Fund (DPK), Return On Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Certificate of Bank Indonesia (SBI) toward of amount banking credit. The number of samples in this study are 22 Commercial Bank uses purposive sampling method. It is a method to found sample with various measurement. All the sample are companies that listed in Indonesia Stock Exchange for period 2008 to 2011 which apply polled data method and collects data are about 88 data observation. Data analysis that used in this study are multiple regression liniear and assumption classic tests which consist of normality test, multicolieniarity test, autocorrelation test and heterocedasticity test. Hypotesis testing uses F-test and t- test. Based on the result of analysis shows independent variables (Third Party of Fund (DPK), Return On Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Certificate of Bank Indonesia (SBI)) simultanieously effect Credit of Banking. Whereas partially, Third Party of Fund (DPK) and Capital Adequacy Ratio (CAR) have positive and significant impact on Credit of Banking. In Other Hand, Certificate of Bank Indonesia  (SBI) has negative and significant impact on Credit of Banking. At Last, Return On Assets (ROA) and Non Performing Loan (NPL) have positive and insignificant influence to Credit of Banking. The value of adjusted R square is 0,978 and it means independent variables can explain the dependent variable as much as 97,8%, while the remaining amount of 2,2% is influenced by other factors which not included in the model.
Co-Authors A.A. Ketut Agung Cahyawan W Abdul Rahman Agamuddin, Agri Americo Agung Triayudi Ahmad, Alifia Nur Azizah Habibillah Ainur Rachman, Ainur Akhmad Rasyid Syahputra, Akhmad Rasyid Amalia, Nida Amarta, Yoga Amelia, Shela Anacostia Kowanda Ananda, Aldy Hafil Ananda, Aldy Hafil Anggi, Anggi Anggraini, Yuyun Anggun Tiur Ida Sinaga Anugerah Poda, Mori Ardana, Dian Syakira Ariani, Marieta ARINAFRIL ARINAFRIL Arman Maiwa Arriyani, Nurfisi Asti Nilatany, Asti Auranissa, Dhea Ayudhia, Relina Ayudhia, Relina Ayue, Heti Ira Azahra, Resa Aziz, Achmad Sony Syaiful Aziz, Achmad Sony Syaiful Bayu Martanto Adji, Bayu Martanto Bena.B, Mailani Harva Benita, Ashri Mukti Binawati, Lilis Body, Revian Cahyadi, M. Bagus Cahyani, Nabila Rizqi Challen, Auliffi Ermian Chandra Irsan Damon, Adytia Dara Sagita Triski Darmayanti, Cokorda Istri Wulan Devi, Ranisa Diraksa, Mazhari Seneng Dwi Oktoria, Widi Dzaky, Muhammad Fathan Edi Sukirman Edo Yonatan Koentjoro Elfia Sukma, Elfia Elok Heniwati Ernawati, Dwi Arini Eti Poncorini Pamungkasari Fadzlul Rahman, Ferry Faisal Ashar Fajrin, Arini Nurul Farhatunnisa, Gaida Febriyanto, Kresna Firdaus, Yoga Firman Fireli, Pingkan Frinardi, Qarina Utami Gani, Hastini Abdul Ghozali, Ghozali Ginanjar, Moh. Haris Ginanjar, Moh. Haris Gloriana, Citra Hadian Iman Sasmita, Hadian Iman Hariteluna, Marselinus Hasnawati Hasnawati Hayyi, Najma Auliya Maharani Hendra Pribadi Henny Wirianata, Viriany, Hetalesi Saputri, Lestari Hidayatullah, Nurfitri I.P, Aji Ilyas, Alvin Irene Rini Demi Pangestuti Isnaini, Desi Jurnal Wicara Kembaren, Suci Br Khairunnisa, Baiq Asya Faras Kristiani, Shinta Kurniasari, Endah Kurniawati, Anugrah Leonanda, Benny Dwika Lia Kurniasari Lirna, Seviola Ayunda Lukitowati, Fajar Maghfira, Maghfira Mahar, Stephanie Emmanuella Yuri Maharani, Adinda Yulia Mahendra, Audal Septian Makhsun, Arif Martha Fanny, Martha Martinus Sony Erstiawan Miko Polindi, Miko Mirza Maulana, Yoppy Muhammad fauzan Muhammad Hafizh Muhammad Ihsan Mukrim, Mukrim Mulyani, Ratih Tri Mulyanto, Rizky Nuur Berlianni Mustara, Mustara Mutiwiyati, Mutiwiyati Nabil Hibatullah, Fawwaz Nabilah, Ailsa Nabilah, Lisa Nadra Mutiara Sari Novi Sylvia Nugraha Edhi Suyatma Nugroho, Purwo Setiyo Nurdiansyah Nurdiansyah Nurul Hidayati Nuryanthi, Nunung Nur’ani, Firra Dwi Ompusunggu, Hermaya P., I Gusti Bagus Sugiantara D. Pebriani, Meificen Permana, Aji Indra Prananda, Yoga Alex Pratama, Indra Mustika Pratama, Naufal Aqillah Prayoga, Rizki Purnawan Purnawan Puspitasari, Endah Yuni Putra Dwi Laksana Putra, Faturachman Kurniawan Putra, Hadip Al Amin Putri, Puspa Aulia Putri, Trigenta Sommya Raffa, Muhammad Rafifah, Muthia Raharjo, Tyas Pambudi Rahma, Hilwa Delia Rahmat Pratama, Rahmat Rahmat, Syahril Rahmawati, Rahmawati Rahmiati, Riry Raida Asfihana Rakhmawati, Intan Ramadhan, Cindia Ramadhani, Muhammad Ratih Puspita Febrinasari Reyhandera, Ristiafif Naufal Rifma Rifma rina ekawati Riri Cornellia Rosdiana Rosdiana Rosmana, Primanita Sholihah Rosmana, Primanita Solihah Rozanna Dewi S, Aisyah Junisah Safitri, Aisyah Junisah Safitri, Rayi Saputra, Muhamad Ridho Saragih, Alviyer Sastri, Frastian Silalahi, M.Pd, Drs. Juniman Simamora, Benjamin Albert Siska, Resa Maulya SITI HERLINDA Sofia Sandi Sofyan Iskandar, Sofyan Solihati, Ira Diana Solikhah, Siti Mar’atus Sri Darnoto Sri Sunarti St. Nurhayati, St. Nurhayati Subana, Fairuz Axioma Suci Br Kembaren Sufyarma Marsidin Suharnoko, Ivan Christiono Sulistyawati, Reny Sunarno Sunarno Supriadi, Edi Susanti, Erni Wingki Susilawati, Susilawati Syaban, Rahul SYAIFUL BAHRI Sylandra, Rafiska Syukur Umar Tambunan, Andrie Dermanto Tambunan, Andrie Dermanto Tambunan, Yosi Anggia Margaret Tianingrum, Niken Agus Tony Soebijono Tri Sagirani Tutut Wurijanto Utama, Rizky Indra Vela, Herda Yospi Wa Ode Zusnita Muizu Wahyuningtyas, Nunuk Weri Herlin Wicaksono, Angga Wahyu Wicaksono, Angga Wahyu Wijayanto, Rakendro Winarti, Yuliani Wulan, Ir. R. Sri Tejo Wulandari, Sri Hariani Eko Yahya Yahya Yanuarini, Triatmi Andri Yogiarni, Tiara Yossyafra Yossyafra Yudhistira Oscar Olendo YULIA PUJIASTUTI Yuliana Putri Yunus, Ade Lestari Yuwalitas Gusmareta Zahra, Putri Zahri, Siti Zainuddin Ginting Zakarias Aria Widyatama Putra ZAKIYA, NABILA Zalmiarty, Khairunisa Try Zarkiani Hasyim Zimartani, Zimartani Zulkifli Zulkifli