ANALISIS PENGARUH NIM, NPL, BOPO, BI RATE DAN CAR TERHADAP PENYALURAN KREDIT BANK UMUM GO PUBLIC PERIODE TAHUN 2012-2016
Abstract: Banks as an
intermediary institution have an important role to improve the public welfare
in accordance with the mandate of the Act. Loan distribution is the bank's main
activity as well as the realization as an intermediary institution.
This research used internal and external factors as independent variable
and loan growth as dependent variable. Number of samples used by researchers
are 23 Commercial Banks. Period used in this research is 2012-2016. The method
of analysis used in this research model is multiple linear regression.
The result of the research shows that Net Interest Margin (NIM) has a
significant and positive impact on loan distribution, Operating Expense to
Operating Income (BOPO) has a significant and negative impact on loan
distribution. While the Non Performing Loan (NPL), BI Rate, and Capital
Adequacy Ratio (CAR) have no significant effect on loan distribution.
Keywords: Credit, NPL, NIM,
BOPO, BI Rate and CAR
Penulis: Satrio B. Haryanto,
Endang Tri Widyarti
Kode Jurnal: jpmanajemendd171001
