PENGARUH DANA PIHAK KETIGA (DPK), LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL) DAN RETURN ON ASSET (ROA) TERHADAP JUMLAH PENYALURAN KREDIT
Study Kasus pada PT. Bank Rakyat Indonesia, (Persero) Tbk.)
Abstract
Banks are financial institutions that function as intermediaries by accepting deposits from the public and then channeling them back in the form of credit. This research is motivated by the lack of optimal distribution of credit provided by banks, so this research was conducted to obtain empirical evidence about the effect of Third Party Funds, Loan to Deposit Ratio, Non Performing Loans and Return On Assets on Total Credit Distribution. This research was conducted at PT. Bank Rakyat Indonesia (Persero) Tbk for the period 2015-2019. The data collection method in this research is by downloading financial reports on the PT. Bank Rakyat Indonesia. The data analysis method used in this research is descriptive statistical analysis, normality test, and multiple linear regression analysis. Tests that have been carried out in this study show that third party funds, loan to deposit ratio, non-performing loans have a significant positive effect on the amount of lending. Meanwhile, Return on Assets had a significant negative effect on the amount of credit disbursement.
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