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All Journal Jurnal Administrasi Akuntansi : Program Pascasarjana Unsyiah
Syukriah Selvie, Muhammad Arfan, Syukriy Abdullah
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Economics, Econometrics & Finance

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PENGARUH DANA PIHAK KETIGA, SUKU BUNGA KREDIT, DAN MODAL BANK TERHADAP PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT KONVENSIONAL DI INDONESIA Syukriah Selvie, Muhammad Arfan, Syukriy Abdullah
Jurnal Akuntansi Vol 6, No 2: Mei 2017
Publisher : Universitas Syiah Kuala

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Abstract

Abstract: Aim of this study is to examine the influence of external funds, interest-rates and bank-capital on bank-loan at the conventional common credite bank called as “Bank Perkreditan Rakyat” or abbreviated as BPR in Indonesia. Data were collected from 321 financial statements from BPR at the end of year 2013, and were analyzed using the multiple regressions. Results showed that external funds, interest rates, and bank-capital influenced siginificantly and simultaneously on bank-loan. Furthermore, there was a positive and significant impact of external funds and bank-capital partially, while no influence of interest rate on the bank-loan. Keywords : banking, capital lending, finance, funds, rates of interest Abstrak: Penelitian ini bertujuan untuk menguji pengaruh dana pihak ketiga atau external funds, suku bunga kredit dan modal bank pada bank kredit konvensional yang biasa disebut sebagai “Bank Perkreditan Rakyat” di Indonesia. Data diperoleh dari 321 laporan keuangan dari BPR tahun buku akhir 2013, dan dianalisis dengan metode regresi linier berganda. Hasil penelitian menunjukkan bahwa dana pihak ketiga, suku bunga, dan modal bank berpengaruh secara signifikan dan bersama-sama terhadap penyaluran kredit. Selain itu, secara parsial bahwa dana pihak ketiga dan modal bank berpengaruh positif dan signifikan terhadap penyaluran kredit, sementara suku bunga tidak memiliki pengaruh.Kata kunci : perbankan, peminjaman dana, keuangan, simpanan, suku bunga kredit
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