FAKTOR-FAKTOR YANG MEMPENGARUHI JUMLAH KREDIT YANG DIBERIKAN OLEH PT BPR CAHAYA ARTHABALI DI KECAMATAN MENGWI KABUPATEN BADUNG: Factors Affecting The Amount Of Credit Provided By PT BPR Cahaya ArthaBali In Mengwi District, Badung Regency

Ngurah Made Novianha Pynatih (Fakultas Ekonomi dan Bisnis Universitas Tabanan)
Ni Rai Artini (Fakultas Ekonomi dan Bisnis Universitas Tabanan)
I Nyoman Gede Marta (Fakultas Ekonomi dan Bisnis Universitas Tabanan)

Ganec Swara
Vol. 19 No. 4 (2025): Desember 2025

The purpose of this study is to determine the effect of the amount of savings, the amount of deposits, and the interest rate on the amount of credit at PT. BPR Cahaya ArthaBali in Mengwi District, Badung Regency. The type of data used in this study is quantitative data, and the data source is secondary data. The population in this study consists of reports on the amount of savings, the amount of deposits, interest rates, and the amount of credit at PT. BPR Cahaya ArthaBali. The sampling technique used is purposive sampling with criteria based on the total amount of savings, deposits, credit, and the average monthly interest rate for the period from January 2020 to December 2024. The analytical technique used is multiple linear regression. The results of the hypothesis testing show that the amount of savings and the amount of deposits partially have a positive and significant effect on the amount of credit. Meanwhile, the interest rate variable partially has a negative and significant effect on the amount of credit. Based on the F-test, the amount of savings, the amount of deposits, and the interest rate simultaneously have a significant effect on the amount of credit provided by PT. BPR Cahaya ArthaBali