PERAN TINGKAT SUKU BUNGA, CAPITAL ADEQUACY RATIO, NET PERFORMING LOAN, RETURN ON ASSET DAN LOAN TO DEPOSIT RATIO TERHADAP PENYALURAN KREDIT USAHA MIKRO KECIL DAN MENENGAH (STUDI PADA BANK UMUM NASIONAL DI WILAYAH SURAKARTA)

Haryanto, Aris Tri
Dewi, Septiana Novita

Jurnal Bulletin
Vol 17, No 1 (2019): April 2019

This study aims to determine the bank interest rates, Capital Adequacy Ratio, Non Performing loans, Return On Assets and Loan to Deposit Ratio significantly influence the amount of loans channeled by banks. The analysis technique used by regression, the samples in this study include: Banking companies in the Surakarta region that have been registered with Bank Indonesia that has been Go Public. National commercial banks that have complete data needed in this research variable. The results of this study indicate that the interest rates have a positive and significant effect, the variable Capital Adequacy Ratio (CAR) has a negative but not significant effect, the variable Net Performing Loan (NPL) has a negative and significant effect. The variable Return on Assets (ROA) has a positive but not significant effect, the variable Loan to Deposit Ratio (LDR) has a positive and significant effect on lending to MSMEs.