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Pratiwi Pratiwi
Universitas Sumatera Utara
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Journal : Terbuka Journal of Economics and Business

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The Effect of Internal Factor Toward Banking Credit Distribution Pratiwi, Pratiwi; Muktiyanto, Ali; Yayuk Priyati, Rini
Terbuka Journal of Economics and Business Vol. 2 No. 1 (2021)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarkat-Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (707.452 KB) | DOI: 10.33830/tjeb.v2i1.1480

Abstract

The country's economy is supported by banking institutions. This is because the benefits of credit are greater compared to other bank businesses such as savings fund deposit services fees, interbank delivery service fees and so on. Internal factors that affect lending include CAR, ROA, NPL, LDR and BOPO. This research was conducted with the aim of simultaneously testing CAR, ROA, NPL, LDR and BOPO on bank credit distribution. The research sample is the bank with the largest number of assets in Indonesia. Data were obtained from the financial statements of the Persero's commercial banks from 2013 to 2017, using the panel data regression data analysis method. The results of hypothesis testing on CAR have a positive influence on lending, ROA also has a positive effect on lending, NPL has a negative effect, LDR has a positive effect, BOPO has a negative effect, whereas if tested simultaneously, CAR, LDR, NPL, LDR and BOPO has a positive effect on lending. With regard to the above conclusions, bank management should be able to take into account the trend of financial ratios for several years, before determining the lending policy
Co-Authors Adhalia Wanafesyahan, Fahira Aditya Aditya Agung, A. A. Gede Agus Eko Nugroho Agus Pramono Agus Wahyuadianto, Agus Ahmad Muhtadi Ahmad Rifai Akila, Nur Alief Saputro Alrefi, Alrefi Alvia Fadila Fikar Amalia, Shafiera Aminah Suriaman Annisa Nurwanda Putri Bayu Adrian Victorino, Bayu Adrian Benyamin*, Benyamin Budi Hadi Narendra Bungatang Bungatang Cahya Purnomo, Cahya Connie, Connie Darmawan Darmawan Darwo Darwo Diana Novita Dinitri, Seruni Eko Wahyono, Eko elida elida Elpriyan, Fadhilah Syahrani elsa, elsa Emeliana, Emeliana Emma Surahman, Emma Endang Suhendang Suhendang Erdy Santosa Ernawati Ernawati Fadilah MgB, A Fajar Dwi Rohman Fatwa Nurul Hakim, Fatwa Nurul Fikayuniar, Lia Fitri Kartiasih G.M. Eko Hartoyo, G.M. Eko Gerson ND. Njurumana Harizon, Dian Heikal, Jerry Herry Purnomo Humaedi, M Alie Humaira, Putri Syifa I Gd. Margunayasa, I Gd. I Nengah Surati Jaya I Wayan S.D, I Wayan I Wayan Susi D, I Wayan Susi Idawati Idawati Ike Wuri Winahyu Sari Ilhamsyah, Fatih Imron, Dian Karinawati Indah, Fitriani Jerry Heikal Joni, Yoyon Indra Khairiyah, Syifa Kurnianingsih Lestari, Nurul Sukma Lutfiah Amanda, Salsabila Lutfiah, Alya Maf’ulah, Maf’ulah Maharani Angeline, Tiara Maharezki, Inayah Maman Turjaman Manjela Eko Hartoyo, Manjela Eko Mardiyanto, Atqo Maretik, Maretik Margareta, Indah Masrully, Masrully Moch Maulana Anton Mukharrim, Muh. Said Muktiyanto, Ali Ningrum Astriawati Nugraha, Septian Nur Fitri Nurjanah, Niken Nurul Widyawati, Melyana Pamujianto, Slamet Prayoga, Suhendra Widi Purwoko, Paulus Sentot Putri Putri, Putri Putri Syifa Humaira Putri, Annisa Nurwanda R. Garsetiasih, R. Rambat Nur Sasongko Ramli Umar Regina Puteri Prameswari Ridwan Ridwan Rini Yayuk Priyati, Rini Yayuk Risyanto Risyanto Rohani, Fety Novianty, Hemafitria, Rohani, Rojali, Muhammad Sajali, Hasan Saparuddin Saparuddin Setram, Nurbaety Setya Nugroho, Candra Shalsabilah Z, Shafira Soerachmad, yuliani Solekhah, Nuzul Suhendi, Brigitta Aurelia Putri Sukawati, Sukawati Sulaiman Zhiddiq, Sulaiman Sumardi . Sumarni Susanti, Erlin Syahminan, Mhd Syukuri, Rezki Auliyah Tasrin, Krismiyati Valentina, Ana Vernanda, Gilang Adi Wanafesyahan, Fahira Adhalia Yeremia, Yeremia Yuli Nugroho, Yuli Yulianty, Jessyca Z, Shafira Shalsabilah Zalsabila, Jihan Zalsabila