ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI PENYALURAN KREDIT (STUDI KASUS BANK UMUM DI INDONESIA TAHUN 2014-2018) - Fadrul Fadrul; Lily Susanti; Erwin Febriansyah (Institut Bisnis dan Teknologi Pelita Indonesia, 2019)
The purpose of this research was to determine the influence of interest rate, Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Return On Asset (ROA) towards banking credit distribution in Indonesia. Population in this research was all commercial banks that were located in Indonesia period 2014 to 2018, there were about 147 corporation. Sample of this research was determined by purposive sampling method so the total was 95 corporation. Data collection in this research were Badan Pusat Statistik (BPS) and Otoritas Jasa Keuangan (OJK) as the resources. Data analysis techniques were used in this reseach, were regression and hypothesis the using t-statistic. The result of this research indicated that interest rate, NPL, CAR and ROA had significantly influenced toward credit distribution. In the other hand, LDR had not significantly influenced toward credit distribution. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh suku bunga, Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Return On Asset (ROA) terhadap penyaluran kredit pada bank umum di Indonesia. Populasi dalam penelitian adalah bank umum yang ada di Indonesia dalam periode 2014-2018 yaitu sebanyak 147 perusahaan. Sampel penelitian ditentukan dengan metode yang berdasarkan kriteria sehingga jumlah sampel sebanyak 95 perusahaan. Pengumpulan data dalam penelitian ini diambil dari Badan Pusat Statistik (BPS) dan Otoritas Jasa Keuangan (OJK). Teknik analisis yang digunakan regresi linier berganda dan uji hipotesis menggunakan t-statistik. Dalam hasil penelitian ini menentukan bahwa suku bunga, NPL, CAR, dan ROA berpengaruh signifikan terhadap penyaluran kredit. Sedangkan LDR tidak berpengaruh signifikan terhadap penyaluran kredit.