PENGARUH FAKTOR INTERNAL BANK TERHADAP JUMLAH KREDIT YANG DISALURKAN (Studi empiris pada bank yang terdaftar di Bursa Efek Indonesia)
Abstract: Providing funds
(lending) in the form of credit is an activity that dominates the banking
businessin its function as an intermediary institution. Performance of the
banking industry-improvedresults with increasing intermediation role and has
improved bank profitability. This study aimedto examine the effect of bank
internal factors (third party funds obtained from the public, capitaladequacy
ratio, return on assets and non-performing loans) to outstanding loans. The
samples inthis study were the banks listed on the Indonesia Stock Exchange from
2006 to 2009. The data willbe analyzed by multiple regression. The analysis
technique used to test the research hypotheseswere the F test and t test with a
significant level of 5%. The results of this study indicate that thethird-party
funds have a positive effect on lending, capital adequacy ratio has a negative
effecton lending, return on assets has a positive effect on on lending.
Non-performing loans have anegative effect on lending. From the analysis it can
be concluded that the third-party funds,adequecy capital ratio, return on
assets and non-performing loans have an effect simultaneouslyto outstanding
loans.
Keywords: third party fund,
capital adequacy ratio, return on asset, non performing loan and outstanding
loans
Penulis: I Made Pratista Yuda,
Wahyu Meiranto
Kode Jurnal: jpakuntansidd1000209
