ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), DANA PIHAK KETIGA (DPK), NON PERFORMING LOAN (NPL), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PENYALURAN KREDIT (STUDI KASUS PADA PT BANK NEGARA INDONESIA (PERSERO) TBK 2014-2021)
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Institusion
Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah
Author
Dwi Fiandani, Firda
Subject
H Social Sciences (General)
Datestamp
2023-07-04 01:59:29
Abstract :
The purpose of this study was to determine the influence of the Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) on lending to PT Bank Negara Indonesia (Persero). The population of this study is the Financial Statements at PT Bank Negara Indonesia (Persero), Tbk in quarters in the 2014-2021 period. The sampling technique uses a purposive sampling technique with financial reports which include information on all the variables studied, namely Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) and the amount credit distribution. Data analysis techniques used the classical assumption test, multiple linear regression analysis, and hypothesis testing with the SPPS Statistics 22 program. Based on the results of this study it showed that DPK and LDR partially had a positive and significant effect on lending, CAR partially had a positive and insignificant effect on disbursement credit, NPL partially has a negative and insignificant effect on lending.
The purpose of this study was to determine the influence of the Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) on lending to PT Bank Negara Indonesia (Persero). The population of this study is the Financial Statements at PT Bank Negara Indonesia (Persero), Tbk in quarters in the 2014-2021 period. The sampling technique uses a purposive sampling technique with financial reports which include information on all the variables studied, namely Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) and the amount credit distribution. Data analysis techniques used the classical assumption test, multiple linear regression analysis, and hypothesis testing with the SPPS Statistics 22 program. Based on the results of this study it showed that DPK and LDR partially had a positive and significant effect on lending, CAR partially had a positive and insignificant effect on disbursement credit, NPL partially has a negative and insignificant effect on lending.
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