PENGARUH DANA PIHAK KETIGA, NON PERFORMING LOAN, DAN CAPITAL ADEQUACY RATIO TERHADAP PENYALURAN KREDIT (Studi Empiris Pada Bank Umum di Indonesia Tahun 2013-2017)

RATNA NINGSIH, OCTAVIANTI (2020) PENGARUH DANA PIHAK KETIGA, NON PERFORMING LOAN, DAN CAPITAL ADEQUACY RATIO TERHADAP PENYALURAN KREDIT (Studi Empiris Pada Bank Umum di Indonesia Tahun 2013-2017). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh DPK, NPL dan CAR terhadap penyaluran kredit pada Bank Umum di Indonesia. Obyek penelitian yang dipilih berupa populasi Perbankan karena dilihat dari fungsi Perbankan merupakan media yang mempertemukan antara pihak yang kelebihan dana dengan pihak yang memerlukan dana. Populasi dalam penelitian ini adalah perusahaan bank umum yang terdaftar di Bursa Efek Indonesia pada tahun 2013 – 2017 menggunakan pendekatan kuantitatif. Data dikumpulkan dengan metode purposive sampling. Metode analisis data yang digunakan adalah metode regresi linear berganda dengan melakukan pengujian statistik antar variabel. Hasil penelitian ini menunjukan bahwa DPK, NPL dan CAR yang dijadikan variabel independen memiliki pengaruh secara simultan dan signifikan terhadap penyaluran kredit. DPK mempunyai pengaruh yang positif terhadap penyaluran kredit, sedangkan untuk variabel NPL dan CAR masing-masing variabel tidak mempunyai pengaruh dan bernilai negatif terhadap penyaluran kredit. Kata kunci : Dana Pihak Ketiga, Non Performing Loan, Capital Adequacy Ratio, dan Jumlah Penyaluran Kredit This research aims to know the influence DPK, NPL and CAR toward credit distribution of Commercial Banks in Indonesia. The objects of this research is Banking population because base on Banking function that is media that bring together parties who have excess funds with those who need funds. The population in this research was all commercial Banks on the Indonesia Stock Exchange during period 2013 – 2017 by using quantitative approach. Data was collected by purposive sampling method. The data analysis method used is multiple linear regression method by performing statistical testing between variables. The result of this research showed DPK, NPL dan CAR used as the independent variable having influence simultaneously and significantly to credit distribution. DPK have positive influence to credit, while for CAR and ROA variables are not have negative influence on credit distribution. Keywords : Third Party Funds, Non Performing Loan, Capital Adequacy Ratio and Total Distribution of Credit

Item Type: Thesis (S1)
Call Number CD: FE/AK. 19 304
NIM/NIDN Creators: 43215110175
Additional Information: Dana Pihak Ketiga, Non Performing Loan, Capital Adequacy Ratio, dan Jumlah Penyaluran Kredit
Subjects: 100 Philosophy and Psychology/Filsafat dan Psikologi > 150 Psychology/Psikologi > 155 Differential and Developmental Psychology/Psikologi Diferensial dan Psikologi Perkembangan > 155.9 Environmental Psychology/Psikologi Lingkungan > 155.93 Influence of Specific Situations/Pengaruh Situasi Tertentu
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.1 Banks/Bank, Perbankan
Divisions: Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User: Dede Muksin Lubis
Date Deposited: 18 Jan 2022 02:55
Last Modified: 03 Feb 2022 06:53
URI: http://repository.mercubuana.ac.id/id/eprint/54395

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