ANALISIS PENGARUH DANA PIHAK KETIGA, LDR, NPL, CAR, ROA, DAN BOPO TERHADAP JUMLAH PENYALURAN KREDIT (Studi pada Bank Umum yang Terdaftar di Bursa Efek Indonesia Periode Tahun 2009-2012)
Abstract: Banks have a major
role in the economy, it is not separated from the role of the banks as an
intermediary institution. The bank has a duty to collect funds from the public
who and then channeled back ini the form of
credit. The lending is not optimal conducted by banks into backgraound
of this research. For that to know the influence of third-party funds, loan to
deposit ratio (LDR), non performing loan (NPL), capital adequacy ratio (CAR),
return on assets (ROA), and operating expenses to operating income ratio (BOPO)
to total of loans.
The population used in this study is a commercial bank listed on the
Indonesia Stock Exchange (BEI) in the period 2009-2012. By using purposive
sampling method, it is obtained as many as 24 banks as the study sample. The
method of analysis used in this study is multiple linier regression. In this
research also include the classical assumption that normality test,
multicollinearity test, autocorrelation test, and heteroscedasticity test.
Results of this study indicate that the third-party funds and loan to
deposit ratio (LDR) significant positive effect to total of loans. While non
performing loan (NPL), capital adequacy ratio (CAR), return on assets (ROA),
and operating expenses to operating income (BOPO) are not significant effect to
total of loans.
Penulis: Dwi Fajar Febrianto,
Dul Muid
Kode Jurnal: jpakuntansidd131070
