Pengaruh Capital Adequacy Ratio dan Dana Pihak Ketiga serta Non Performing Loan terhadap Penyaluran Kredit Bank Umum

Abstract

Penelitian ini bertujuan untuk menguji pengaruh capital adequacy ratio, dana pihak ketiga dan non performing loan terhadap penyaluran kredit. Desain penelitian yang digunakan dalam penelitian ini adalah kuantitatif kausal. Subjek dalam penelitian ini adalah Bank Umum yang terdaftar di Bursa Efek Indonesia dan objek dalam penelitian ini adalah capital adequacy ratio, dana pihak, non performing loan dan penyaluran kredit. Data dikumpulkan dengan pencatatan dokumen dan dianalisis dengan analisis regresi liner berganda. Hasil penelitian menunjukkan bahwa (1) capital adequacy ratio, dana pihak ketiga dan non performing loan berpengaruh terhadap penyaluran kredit, (2) capital adequacy ratio berpengaruh positif dan signifikan terhadap penyaluran kredit, (3) dana pihak ketiga berpengaruh positif dan signifikan terhadap penyaluran kredit, dan (4) non performing loan berpengaruh negatif dan signifikan terhadap penyaluran kredit pada Bank Umum yang terdaftar di Bursa Efek Indonesia.
Kata Kunci : bank umum, penyaluran kredit

This study aimed at examining the effect capital adequacy ratio, third party funds, and non performing loan on credit distribution. The research design used in this study was quantitative causal. The subjects in this study were the Commercial Bank on Indonesia Stock Exchnge and the objects of the study were capital adequacy ratio, third party funds, non performing loan and credit distribution. The data was collected by recording the documents and data was analyzed by multiple linear regression analysis. The results show that (1) capital adequacy ratio, third party funds and non performing loan has a effect on credit distribution, (2) capital adequacy ratio has a positive and significant effect on credit distribution, (3) third party funds has a positive and significant effect on credit distribution, and (4) non performing loan has a negative and significant effect on credit distribution at the Commercial Bank on Indonesia Stock Exchange.
keyword : commercial bank, credit distribution