PENGARUH LOAN TO DEPOSIT RATIO CAPITAL ADEQUACY RATIO DAN NON PERFORMING LOAN TERHADAP PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT DI KABUPATEN GIANYAR

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh secara simultan dan parsial dari Loan to Deposit Ratio, Capital Adequacy Ratio, dan Non Performing Loan terhadap penyaluran kredit. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian ini adalah Bank Perkreditan Rakyat di Kabupaten Gianyar. Data dikumpulkan dengan pencatatan dokumen dan dianalisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) secara simultan loan to deposit ratio, capital adequacy ratio, dan non performing loan berpengaruh signifikan terhadap penyaluran kredit, (2) secara parsial loan to deposit ratio berpengaruh positif tidak signifikan terhadap penyaluran kredit, (3) secara parsial caputal adequacy ratio berpengaruh negatif signifikan terhadap penyaluran kredit, (4) secara parsial non performing loan berpengaruh negatif tidak signifikan terhadap penyaluran kredit.
Kata Kunci : loan to deposit ratio, capital adequacy ratio, non performing loan, dan penyaluran kredit

this research aims to determine the effect simultaneously and partially from the loan to deposit ratio, capital adequacy ratio, and non performing loan to credit distribution. The research design used was quantitative causal. The Subject of this research is Rural Bank in Gianyar Regency. The data were collected by documention technique, and it's analyzed by multiple linier regression analysis. The result of the research showed (1) simultaneously loan to deposit ratio, capital adequacy ratio, and non performing loan had significant effect on credit distribution, (2) partialy loan to deposit ratio has positive significant effect on credit distribution, (3) partially capital adequacy ratio has negative significant effect on credit distribution, (4) partially non performing loan has no significant negative effect on credit distribution.
keyword : ;oan to deposit ratio, capotal adequacy ratio, non performing loan, and credit distribution