PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), PRODUK DOMESTIK BRUTO (PDB), DAN RETURN ON ASSET (ROA) TERHADAP PENYALURAN KREDIT PERBANKAN (Studi Empiris Pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2013 - 2015) - ., I Gede Andi Suta Darmawan; ., Made Arie Wahyuni, S.E.; ., Anantawikrama Tungga Atmadja,SE,Ak.,M. (JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha, 2017)
Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Produk Domestik Bruto (PDB), dan Return On Asset (ROA) terhadap penyaluran kredit pada perusahaan perbankan yang terdaftar di BEI. Sampel penelitian berjumlah 28 perusahaan perbankan, yang ditentukan dengan metode purposive sampling. Jenis data yang digunakan adalah data sekunder berupa laporan tahunan perusahaan perbankan periode tahun 2013-2015. Teknik analisis data menggunakan analisis regresi linear berganda dengan bantuan program SPSS versi 20.0. Hasil penelitian ini menunjukkan bahwa: (1) Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap penyaluran kredit; (2) Non Performing Loan (NPL) berpengaruh negatif dan signifikan terhadap penyaluran kredit; (3) Produk Domestik Bruto (PDB) berpengaruh positif dan signifikan terhadap penyaluran kredit; (4) Return On Asset (ROA) berpengaruh positif dan signifikan terhadap penyaluran kredit; (5) Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Produk Domestik Bruto (PDB), dan Return On Asset (ROA) secara simultan berpengaruh positif dan signifikan terhadap penyaluran kredit.Kata Kunci : CAR, NPL, PDB, ROA, dan penyaluran kredit. This study aimed at knowing the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Gross Domestic Product (GDP), and Return On Asset (ROA) on credit distribution of banking companies listed in Indonesia Stock Exchange (BEI). The sample of this research was 28 banking companies determined by purposive sampling method. The type of data used was secondary data in the form of annual reports of banking companies for the period of 2013-2015. The data analysis technique used was multiple linear regression analysis with a help of SPSS program version 20.0. The result showed that: (1) Capital Adequacy Ratio (CAR) had a negative and significant effect on credit distribution; (2) Non Performing Loan (NPL) had a negative and significant effect on credit distribution; (3) Gross Domestic Product (GDP) had a positive and significant effect on credit distribution; (4) Return On Assets (ROA) had a positive and significant effect on credit distribution; (5) Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Gross Domestic Product (GDP), and Return On Asset (ROA) simultaneously had a positive and significant effect on credit distribution.keyword : CAR, NPL, GDP, ROA, and credit distribution.