Analisis Pengaruh Variabel Internal Bank dan Kebijakan Moneter terhadap Penyaluran Kredit Perbankan pada BUSN Devisa dan BUSN Non Devisa Periode Tahun 2012-2016
Abstract: Commercial bank’s
lending is an activity that increases profitability for banks and becomes the
stimulate of economic growth in a country. The aim of this research is to
understand the influence of Operating Costs and Operating Incomes, Capital
Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, Return on Assets, lending
rates, interest rates, inflation, and deposits on commercial bank’s lending in
national private-foreignexchange commercial bank and national private-non
foreign exchange commercial bank go public period year2012-2016. This research
used quantitative and causal research approach. The sample used was 29 banks
with purposive sampling method. The methods of data analysis used was a
multiple linear regression with SPSS software.The result of this study shows
that Operating Costs and Operating Incomes, LDR, and deposits have a positive
and significant influence on commercial bank’s lending. CAR has a negative and
significant influence on commercial bank’s lending. NPL, ROA, lending rates,
interest rates, and inflation have no influence on commercial bank’s lending.
It happened because the average value of NPL is low, the profit is more
allocated to operational cost, the movements of the average value of lending
rates from year to year tend to be consistent, interest rates doesn’t directly
influence on commercial bank’s lending, and the inflation rate is low. Banks
should pay more attention to Operating Costs and Operating Incomes, CAR, LDR,
and deposits movements when they lend their money.
Keywords: commercial bank’s
lending, operating costs and operating incomes, capital adequacy ratio, loan to
deposit ratio, deposits
Penulis: KIKI RIZKI AMALIA,
MUSDHOLIFAH
Kode Jurnal: jpmanajemendd180530
