ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT PERBANKAN PADA BANK UMUM DI BURSA EFEK INDONESIA

Septiana Icha Pratiwi, Tina Sulistiyani

Abstract


This research is aimed to obtain empirical evidence on the factors affecting the distribution of bank credit. There are many factors affecting the distribution of bank credit. However, this research was only limited by dominant factors affecting the distribution of bank credit obtained from bank credit theories and the results from previous research studies. Therefore, factors which were the selected independent variables in this research were Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return On Assets (ROA), and Loan to Deposit Ratio (LDR). While the dependent variables were the distribution of bank credit which was proxied by Loan to Asset Ratio (LAR) variable. The results of the research indicates that simultaneously, the variables of DPK, CAR, NPL, ROA, dan LDR significantly affect  the distribution of bank credit in the period 2010-2012. While partially, a result was obtained that DPK, NPL, and LDR variables significantly affect the distribution of bank credit. Meanwhile CAR and ROA variables do no significantly affect the distribution of bank credit in the period 2010-2012

Keywords


Capital Adequacy Ratio; Non Performing Loan; Return On Assets; Loan to Deposit Ratio; Loan to Asset Ratio

Full Text:

PDF


DOI: https://doi.org/10.12928/fokus.v4i1.1344

Refbacks

  • There are currently no refbacks.


Copyright (c) 2014 Septiana Icha Pratiwi, Tina Sulistiyani

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.


Jurnal FOKUS Manajemen Bisnis
p-ISSN: 2088-4079 | e-ISSN: 2716-0521
Kampus 1 Universitas Ahmad Dahlan
Jalan Kapas 9, Semaki, Yogyakarta - 55166
Telp. (0274) 563515, 511830, 379418, 371120; Faks. (0274) 563604
Email: fokus@mgm.uad.ac.id