PENGARUH FAKTOR INTERNAL BANK DAN SERTIFIKAT BANK INDONESIA TERHADAP PENYALURAN KREDIT PERBANKAN DI INDONESIA
Abstract: This research was
aimed to examine the effect of bank internal factors and certificates of Bank
Indonesia to bank loan in Indonesia. Bank internal factors are measured by
third party found (DPK), capital adequacy ratio (CAR), loan to deposit ratio
(LDR), return on assets (ROA), and non performing loan (NPL). The population in
this research is all of banking companies that listed in Indonesian Stock
Exchange (IDX) in 2009-2012. Samples are collected by purposive sampling method
and in this research multiple linear regression analysis is used as analysis
method. The result of this research proved that third party fund and capital
adequacy ratio had significantly positive effects to bank loan. Meanwhile, loan
to deposit ratio, return on assets, and certificates of Bank Indonesia had
positive but not significant effects to bank loan, and non performing loan has
significantly negative effect to bank loan.
Penulis: Putri Pratista
Nugraheni, Wahyu Meirantoo
Kode Jurnal: jpakuntansidd131045
