Determinasi Penyaluran Kredit Pada Bank Umum Swasta Nasional Devisa Negara Indonesia
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
Sakinah, Firdaus Indah
Subject
657.9 - ACCOUNTING-BANK
Datestamp
2024-03-28 05:37:27
Abstract :
This research was conducted with the aim of analying the effect of credit distribution with the independent variables Non Performing Loan, Capital Adequacy Ratio, Loan To Deposit Ratio, Basic Credit Interest Rate, and Operational Costs on Operational Income. The population of this research is the Indonesian State Foreign Exghange National Private Commercial Bank with 14 samples registered with the Financial Services Authority during 2018 - 2022. this research uses purposive sampling with descriptive statistical data analysis technuques, classical assumption testing, hypothesis testing, and multiple linear regression analysis. The statistical data analysis technique uses SPSS Version 26 software. The research results are that the variables NPL, LDR, BCIR have no effect on credit distribution with a significance of > 0,05. The CAR and OCOI variable influences credit distribution with a significance of < 0,05. KEYWORDS : Non Performing Loan, Capital Adequacy Ratio, Loan To Deposit Ratio, Basic Credit Interest Rate, Operational Costs on Operational Income
This research was conducted with the aim of analying the effect of credit distribution with the independent variables Non Performing Loan, Capital Adequacy Ratio, Loan To Deposit Ratio, Basic Credit Interest Rate, and Operational Costs on Operational Income. The population of this research is the Indonesian State Foreign Exghange National Private Commercial Bank with 14 samples registered with the Financial Services Authority during 2018 - 2022. this research uses purposive sampling with descriptive statistical data analysis technuques, classical assumption testing, hypothesis testing, and multiple linear regression analysis. The statistical data analysis technique uses SPSS Version 26 software. The research results are that the variables NPL, LDR, BCIR have no effect on credit distribution with a significance of > 0,05. The CAR and OCOI variable influences credit distribution with a significance of < 0,05. KEYWORDS : Non Performing Loan, Capital Adequacy Ratio, Loan To Deposit Ratio, Basic Credit Interest Rate, Operational Costs on Operational Income
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