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All Journal Jurnal Ilmiah Multidisiplin (JUKIM)
Sabaruddin Siagian
Bina Sarana Informatika University
Computer Science & IT Economics, Econometrics & Finance Social Sciences

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The Influence Of Third-Party Funds, Capital Adequacy Ratio, And Bi Rate On Bank Lending In Indonesia Sabaruddin Siagian; Faizal Roni
Jurnal Ilmiah Multidisiplin Vol. 4 No. 04 (2025): Juli: Jurnal Ilmiah Multidisiplin
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jukim.v4i04.2175

Abstract

This study investigates the impact of third-party funds, capital adequacy ratio, and BI rate on bank lending performance in Indonesia in the post-pandemic period. Utilizing a quantitative approach and secondary data from official financial institutions, the research applies multiple linear regression analysis along with classical assumption tests to ensure statistical validity. The results indicate that third-party funds do not have a significant effect on bank lending. On the other hand, the capital adequacy ratio shows a strong positive and significant influence, reflecting the crucial role of bank capitalization in credit expansion. Meanwhile, the BI rate does not present a statistically significant impact on credit distribution. However, when the three variables are tested simultaneously, they collectively exert a positive and significant influence on bank lending. These findings provide meaningful insights for banking institutions and regulators to develop sound credit policies and financial strategies that support economic recovery and sustainable banking practices.
Credit Analysis And Credit Risk In The Indonesian Banking Industry Sabaruddin Siagian; Faizal Roni
Jurnal Ilmiah Multidisiplin Vol. 4 No. 6 (2025): November: Jurnal Ilmiah Multidisiplin
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jukim.v4i6.2401

Abstract

This study analyzes banking credit performance and credit risk in Indonesia before, during, and after the Covid-19 pandemic. The research applies a descriptive analytical method using secondary data obtained from the Financial Services Authority (OJK), focusing on commercial banks. Before Covid-19, banking credit was in a stable condition, with normal lending and credit growth exceeding the growth of third-party funds (DPK). This indicates that banks were active in distributing credit supported by sufficient funding. When Covid-19 occurred, economic performance declined significantly, and credit distribution contracted. For three consecutive quarters, both economic growth and credit growth recorded negative figures as banks became more cautious due to shrinking business activities and rising uncertainty. In the post-pandemic period, spanning nine quarters up to Q4 2024, the banking sector showed strong recovery aligned with economic improvement. Credit growth increased sharply and was noticeably higher than DPK growth, demonstrating restored confidence and better financial intermediation capacity. Regarding credit risk, banks managed non-performing loans (NPL) effectively both before and after Covid-19, maintaining NPL ratios below the 5 percent regulatory threshold. During Covid-19, banks strengthened reserves through increased allowance for impairment losses (CKPN) to keep NPL stable, although this temporarily reduced profitability as reflected in lower return on assets (ROA). Overall, Indonesian banks showed resilience through prudent risk management.
Co-Authors faizal roni Faizal Roni