ANALISIS PENGARUH DANA PIHAK KETIGA (DPK), LOAN TO DEPOSIT RATIO (LDR), CAPITAL ADEQUACY RATrO (CAR), RETaRN ON ASSBTS (ROA), NON PERFORMING LOAN (NPL), DAN BIRATE TERI{ADAP PENYALURAN KREDIT BANK UMUM YANG TERCATAT DI BEI

• Main Authors: , Luvena Cindy, , I Wayan Nuka Lantara, S.E., M.Si., Ph.D.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2013
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/120431/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=60462
• Institution: Universitas Gadjah Mada

Strong economic fundamentals amid global economic crisis should be offset by strengthening growth sectors of the business community. Bank Indonesia said that to strengthen the growth of the business community, financial institutions in Indonesia must provide a broader and larger credit support, thereby increasing the competitiveness of the banks involved and provide a multiplier effect on economic growth. But in fact, Bank Indonesia believes that the bank lending in recent years has been slow. The author conducted a study to identify factors that influence lending by commercial banks in Indonesia. Factors examined include Third Party Funds (TPF), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Return on Assets (ROA), Non Performing Loan (NPL), and the BI rate. In this study, the author used sample of commercial banks listed on the Indonesia Stock Exchange (BEI) in 2008 to 2011. A total of 22 samples were obtained using a purposive sampling method with the criteria, so that when multiplied by the years of the study, the total sample was 66. Furthermore, the author used a multiple linear regression analysis method. After passing several tests, the author obtained the result that the Third Party Funds (TPF) and the Loan to Deposit Ratio (LDR) has a positive influence on credit, and the BI rate has a negative influence on the credit distribution. Furthermore, the Capital Adequacy Ratio (CAR) and Return on Assets (ROA) has no positive effect on lending and non-performing loans (NPL) has no negative effect on lending.