Analisis Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Loan, Return On Asset, Dan Suku Bunga Sertifikat Bank Indonesia Terhadap Penyaluran Kredit Bank Persero Di Indonesia

Abstract

Tujuan penelitian ini adalah untuk mengetahui hubungan Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return on Assets (ROA) dan Suku Bunga Sertifikat Bank Indonesia (SBI) terhadap penyaluran kredit pada Bank Persero di Indonesia. Penelitian ini menggunakan Bank Persero di Indonesia sebagai obyek penelitian, dengan periode penelitian dari tahun 2005-2012. Data yang digunakan dalam penelitian ini diperoleh dari Laporan Keuangan Publikasi Bank Persero di Indonesia periode 2005-2012. Teknik analisis yang digunakan adalah analisis regresi linear berganda dengan taraf signifikansi 5%. Berdasarkan hasil penelitian bahwa variabel Dana Pihak Ketiga (DPK) berpengaruh positif dan signifikan terhadap penyaluran kredit Bank Persero di Indonesia. Capital Adequacy Ratio (CAR) dan Suku Bunga Sertifikat Bank Indonesia (SBI) berpengaruh negatif dan tidak signifikan terhadap penyaluran kredit Bank Persero di Indonesia. Sementara Non Performing Loan (NPL) dan Return on Assets (ROA) berpengaruh positif dan tidak signifikan terhadap penyaluran kredit Bank Persero di Indonesia.

The purpose of this research was to determine the relationship of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Return on Assets (ROA) and interest rate of Bank Indonesia Certificates (SBI) to the Credit Distribution at Bank Persero in Indonesia. This study uses Bank Persero in Indonesia as an object of research, the study period from 2005-2012. The data used in this study were obtained from the Financial Statements of Bank Persero in Indonesia in the period 2005-2012. The analysis technique used is multiple linear regression analysis with a significance level of 5%. Based on the results of research, that variable Third Party Funds (TPF) influences positively and significantly toward the credit distribution Bank Persero in Indonesia. Capital Adequacy Ratio (CAR) and interest rate of Bank Indonesia Certificates (SBI) influences negatively and insignificantly toward the credit distribution Bank Persero in Indonesia. Non-Performing Loans (NPL) and Return on Assets (ROA) influences positively and insignificantly toward the credit distribution Bank Persero in Indonesia.