Jurnal Ilmu Ekonomi
Vol. 2 No. 3 (2018): Jurnal Ilmu Ekonomi

ANALISIS PENYALURAN KREDIT MODAL KERJA PADA BANK UMUM DI INDONESIA

Vebian Indriati (Universitas Muhammadiyah Malang)
Idah Zuhroh (Universitas Muhammadiyah Malang)
Dwi Susilowati (Universitas Muhammadiyah Malang)



Article Info

Publish Date
05 Nov 2018

Abstract

This study aims to describe the development of Third Party Funds (DPK), Lending Rates (SBK), Non Performing Loan (NPL) and loan portfolio of working capital as well as to analyze the influence of Third Party Funds, Interest Rates, Non Performing Loan to lending working capital commercial banks in Indonesia in 2012-2016. Data analysis technique used is the panel data regression analyzes were then performed hypothesis testing by F test, t test, and the coefficient of determination (R²) at a significance level α = 5%. The results showed that the variables simultaneously DPK, SBK and NPL effect on working capital loans. While partially, DPK variable positive and significant impact, SBK negative and significant effect, and NPL negative and not significant to the working capital loans at commercial banks in Indonesia. The coefficient of determination (R²) is 0.7569 or 75.69%. This indicates that the variable DPK, SBK and NPL able to explain the variable lending working capital amounted to 75.69%.Keywords : Third Party Funds, Interest Rates, Non-Performing Loans, Working Capital Loans

Copyrights © 2018






Journal Info

Abbrev

jie

Publisher

Subject

Economics, Econometrics & Finance Social Sciences

Description

Jurnal Ilmu Ekonomi, aims to bridge the gap between research and practice, providing information, ideas and opinion, in addition to critical examinations of advances in economic research. Through the coverage of policy and economic developments, the latest results of research into the assessment of ...