ANALISIS PENGARUH DANA PIHAK KETIGA, TINGKAT SUKU BUNGA KREDIT, NON PERFORMANCE LOAN (NPL), DAN TINGKAT INFLASI TERHADAP PENYALURAN KREDIT BANK PEMERINTAH DI KALIMANTAN SELATAN

Abstract

The research is to investigate to find  out the effects of third party funds, interest rate of loan, non performing loan (NPL), and  inflation, both simultanesously and partially to the Distribution of Credit (LDR) on Goverment Banks in South Kalimantan. The method used for analysis is multiple regression, and then t –Test and F-Test. Based on the analysis of periodes 2009-2011, there are some results. The result concluded there all variables third party funds, interest rate of loan, non performing loan (NPL), and  inflation affect  of Distribution of Credit (LDR). This result also support the theory that says, the increase of third party funds will decrease the Distribution of Credit (LDR ).The variable of intereset rate of loan is dominant affect the Distribution of Credit (LDR) on Goverment Banks inSouth Kalimantan.Interest Rate of Loan the amount of this loan resulted entre-preneurs/investors are reluctant to borrow loans at the bank. Interest rates on loans are costs to be paid by the borrower on the loan is received and a return on investment for lenders. Interest Rate of Loans have a negative relationship with credit offers.