PENGARUH CAPITAL ADEQUACY RATIO DAN NON PERFOMING LOAN TERHADAP PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT DI KABUPATEN BULELENG

Abstract

Penelitian ini bertujuan untuk memperoleh temuan tentang (1) pengaruh Capital Adequacy Ratio dan Non Perfoming Loan secara simultan terhadap Penyaluran Kredit, (2) pengaruh Capital Adequacy Ratio Dan Non Perfoming Loan secara parsial terhadap Penyaluran Kredit. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian adalah Perusahaan Bank Perkreditan Rakyat yang terdaftar di Otoritas Jasa Keuangan (OJK), dan objek penelitian adalah Capital Adequacy Ratio, Non Perfoming Loan dan Penyaluran Kredit. Data dikumpulkan dengan pencatatan dokumen, dan dianalisis dengan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa (1) ada pengaruh yang signifikan secara simultan dari Capital Adequacy Ratio dan Non Perfoming Loan terhadap Penyaluran Kredit, (2) ada pengaruh yang positif signifikan secara parsial dari Capital Adequacy Ratio terhadap Penyaluran Kredit dan ada pengaruh yang negatif signifikan secara parsial dari Non Perfoming Loan terhadap Penyaluran Kredit.
Kata Kunci : Capital Adequacy Ratio, Non Perfoming Loan, Penyaluran Kredit.

The purpose of this research was to get findings about (1) the simultaneous effect of Capital Adequacy Ratio and Non Perfoming Loan toward Credit Lending, (2) the partial effect of Capital Adequacy Ratio and Non Perfoming Loan toward credit Lending. The design of this study was quantitative causal. The research subject was Rural Banks listed on the Financial Services Authority, and the research object were Capital Adequacy Ratio, Non Perfoming Loan and Credit Lending. The data was obtained by documentation technique, and it’s analyzed using multiple linier regressions. The results showed that (1) there was simultaneous and significant effect of Capital Adequacy Ratio and Non Perfoming Loan toward Credit Lending, (2) there was partial significant and positive effect of Capital Adequacy Ratio toward Credit Lending and there was partial significant negative effect of Non Perfoming Loan toward Credit Lending.
keyword : Capital Adequacy Ratio, Non Perfoming Loan, Credit Lending.