Analisis Faktor-Faktor Yang Mempengaruhi Penyaluran Kredit Perbankan (Studi Pada Bank Buku IV Tahun 2003-2012)
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Institusion
STIE Indonesia Banking School
Author
Darniaty, Will Andilla
Subject
HF5601 Accounting
Datestamp
2024-06-14 07:56:40
Abstract :
Credit is one of the instruments that influenceeconomic growth.The purpose of this research wasto determine the effect of the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Gross Domestic Product (GDP) and SBI Interest Rate onbanklending as measured with Loan To Deposit Ratio (LDR) in Bank BUKU IV from 2003 ?2012. Independent variables used in this research are Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Gross Domestic Product (GDP) and SBI Interest Rate, while the dependent variable isthe Loan Deposit Ratio (LDR) The analysis showed that during the observation period of the research indicate that the data are normally distributed. Multicolinearity test, heteroskidastity test and autocorrelation test found no variables that independent from the classical assumtion.This research usedmultiple regression analysis.The result forthe F-test showed that all of the variable independent were significant to dependent variable. The result fort ?test showed that the CARand NPLare significantly negative, andGDPand SBIinterest ratesignificantlypositive to LDR. Predictive ability of these variables to the LDR was 88.1579%, while the rest 11.8421% influenced by other factors outside this research ABSTRACT Credit is one of the instruments that influenceeconomic growth.The purpose of this research wasto determine the effect of the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Gross Domestic Product (GDP) and SBI Interest Rate onbanklending as measured with Loan To Deposit Ratio (LDR) in Bank BUKU IV from 2003 ?2012. Independent variables used in this research are Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Gross Domestic Product (GDP) and SBI Interest Rate, while the dependent variable isthe Loan Deposit Ratio (LDR).The analysis showed that during the observation period of the research indicate that the data are normally distributed. Multicolinearity test, heteroskidastity test and autocorrelation test found no variables that independent from the classical assumtion.This research usedmultiple regression analysis.The result forthe F-test showed that all of the variable independent were significant to dependent variable. The result fort ?test showed that the CARand NPLare significantly negative, andGDPand SBIinterest ratesignificantlypositive to LDR. Predictive ability of these variables to the LDR was 88.1579%, while the rest 11.8421% influenced by other factors outside this research.Keywords: Capital Adequacy Ratio (CAR), Gross Domestic Product (GDP), Loan Desposit Ratio (LDR), Non Performing Loans(NPL) andSBI Interest Rate.
Credit is one of the instruments that influenceeconomic growth.The purpose of this research wasto determine the effect of the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Gross Domestic Product (GDP) and SBI Interest Rate onbanklending as measured with Loan To Deposit Ratio (LDR) in Bank BUKU IV from 2003 ?2012. Independent variables used in this research are Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Gross Domestic Product (GDP) and SBI Interest Rate, while the dependent variable isthe Loan Deposit Ratio (LDR) The analysis showed that during the observation period of the research indicate that the data are normally distributed. Multicolinearity test, heteroskidastity test and autocorrelation test found no variables that independent from the classical assumtion.This research usedmultiple regression analysis.The result forthe F-test showed that all of the variable independent were significant to dependent variable. The result fort ?test showed that the CARand NPLare significantly negative, andGDPand SBIinterest ratesignificantlypositive to LDR. Predictive ability of these variables to the LDR was 88.1579%, while the rest 11.8421% influenced by other factors outside this research ABSTRACT Credit is one of the instruments that influenceeconomic growth.The purpose of this research wasto determine the effect of the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Gross Domestic Product (GDP) and SBI Interest Rate onbanklending as measured with Loan To Deposit Ratio (LDR) in Bank BUKU IV from 2003 ?2012. Independent variables used in this research are Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Gross Domestic Product (GDP) and SBI Interest Rate, while the dependent variable isthe Loan Deposit Ratio (LDR).The analysis showed that during the observation period of the research indicate that the data are normally distributed. Multicolinearity test, heteroskidastity test and autocorrelation test found no variables that independent from the classical assumtion.This research usedmultiple regression analysis.The result forthe F-test showed that all of the variable independent were significant to dependent variable. The result fort ?test showed that the CARand NPLare significantly negative, andGDPand SBIinterest ratesignificantlypositive to LDR. Predictive ability of these variables to the LDR was 88.1579%, while the rest 11.8421% influenced by other factors outside this research.Keywords: Capital Adequacy Ratio (CAR), Gross Domestic Product (GDP), Loan Desposit Ratio (LDR), Non Performing Loans(NPL) andSBI Interest Rate.
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