Pengaruh Inflasi, BI Rate, dan Non Performing Loan Terhadap Penyaluran Kredit pada BPR Konvensional Kabupaten Klungkung yang Terdaftar di Otoritas Jasa Keuangan Indonesia

Abstract

This study aims to examine the influence of inflation, BI Rate and non-performing loans on lending. The research design used in this study is causal quantitative. The subjects in this study were Conventional Rural Banks in Klungkung Regency which were registered with the Indonesian Financial Services Authority and the objects in this study were inflation, BI Rate, non-performing loans and lending. Data were collected by recording documents and analyzed by multiple linear regression analysis. The results showed that (1) Inflation, BI Rate and non-performing loans had a significant effect on lending, (2) Inflation had a positive and significant effect on lending, (3) BI Rate had a significant and negative effect on lending, and (4) non-performing loans have a negative and significant effect on lending at Conventional Rural Banks in Klungkung Regency which are registered with the Indonesian Financial Services Authority.