PENGARUH DANA PIHAK KETIGA DAN NON PERFORMING LOAN SERTA LOAN TO DEPOSIT RATIO TERHADAP PENYALURAN KREDIT DI LPD KECAMATAN ABIANSEMAL

Abstrak

Penelitian ini bertujuan untuk menguji pengaruh secara simultan dan parsial dari dana pihak ketiga, non performing loan dan loan to deposit ratio terhadap penyaluran kredit. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian ini adalah LPD Kecamatan Abiansemal dan objek penelitian ini adalah dana pihak ketiga, non performing loan, loan to deposit ratio dan penyaluran kredit. Data dikumpulkan dengan pencatatan dokumen, dan dianalisis dengan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) dana pihak ketiga, non performing loan dan loan to deposit ratio berpengaruh signifikan terhadap penyaluran kredit dengan sumbangan pengaruh sebesar 35,7%, (2) Dana Pihak ketiga berpengaruh positif dan signifikan terhadap penyaluran kredit dengan sumbangan pengaruh sebesar 23,9%, (3) Non Performing Loan berpengaruh positif dan tidak signifikan terhadap penyaluran kredit dengan sumbangan pengaruh sebesar 0,1%, (4) loan to deposit ratio berpengaruh positif dan signifikan terhadap penyaluran kredit dengan sumbangan pengaruh sebesar 8,4%.
Kata Kunci : Dana Pihak Ketiga, Loan to Deposit Ratio, Non Performing Loan, Penyaluran Kredit

This research has a purpose to test the effectiveness simultaneous and partial of the third party fund,non performing loan and loan to deposit ratio on loan distribution. The research design is causal quantitative research. The subject of this research is the LPD Abiansemal District, and the object of this reseach are he third party fund,non performing loan, loan to deposit ratio and loan distribution. The data was obtained by documentation technique, and by multiple linear regression analyzed. The results of this research shows (1) The third party fund,non performing loan and loan to deposit ratio on loan distribution with the influence contribution is 35,7%, (2) The third party fund has positive effect and significantly toward the loan distribution with the influence contribution is 23,9%, (3) Non Performing Loan has positive effect and insignificantly toward the loan distribution with the influence contribution is 0,1%, (4) Loan to Deposit Ratio has positive effect and significantly toward the loan distribution with the influence contribution is 8,4%.
keyword : Loan Distribution, Loan to Deposit Ratio, Third Party Fund, Non Performing Loan