PENGARUH DANA PIHAK KETIGA DAN RETURN ON ASSETS SERTA BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT Se-KABUPATEN BANYUWANGI

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh dana pihak ketiga, return on assets dan biaya operasional pendapatan operasional terhadap penyaluran kredit secara simultan dan parsial pada Bank Perkreditan Rakyat Se–Kabupaten Banyuwangi. Subjek penelitian ini Bank Perkreditan Rakyat Se–Kabupaten Banyuwangi dan objek penelitian adalah dana pihak ketiga, return on assets dan biaya operasional pendapatan operasional dan penyaluran kredit. Data dikumpulkan dengan pencatatan dokumen, dan dianalisis menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) dana pihak ketiga, return on assets dan biaya operasional pendapatan operasional terhadap penyaluran kredit sebesar 86,9%, (2) dana pihak ketiga terhadap penyaluran kredit sebesar 85,5%, (3) return on assetss terhadap penyaluran kredit sebesar 29,7%, (4) biaya operasional pendapatan operasional terhadap penyaluran kredit sebesar 0%. Dana pihak ketiga berpengaruh positif dan signifikan terhadap penyaluran kredit, sedangkan return on assets dan biaya operasional pendapatan operasional berpengaruh positif namun tidak signifikan terhadap penyaluran kredit.
Kata Kunci : biaya operasional pendapatan operasional, dana pihak ketiga, penyaluran kredit, return on assets

The purpose of this research to get influence the effect of third parties fund, return on assets, and operational cost of operating income to the credit distribution simultaneously and partially to the credit distribution in Rural Banks district Banyuwangi. The subject in this study was Rural Banks district Banyuwangi and the objects were third parties fund, return on assets, and operating expense to operating revenue and credit distribution.The data was obtained by documentation technique, and it’s analysed by multiple linier regressions. The study found that (1) third party funds, return on assets and operational cost of operating income to credit distribution of 86.9%, (2) third party funds to lending by 85.5%, (3) return on assetss to credit distribution of 8,8%, (4) operational cost of operating income to credit distribution 0%. Third party funds have a positive and significant impact on credit distribution, while return on assets and operational cost of operating income have positive but not significant effect on credit distribution.
keyword : : operational cost of operating income, third parties fund, credit distribution, return on assets