ANALISIS PENGARUH DANA PIHAK KETIGA (DPK), CAPITAL ADEQUACY RATIO (CAR) DAN NON PERFORMING LOAN (NPL) TERHADAP PENYALURAN KREDIT PADA BANK UMUM SWASTA NASIONAL DEVISA YANG TERDAFTAR DI BURSA EFEK INDONESIA

Abstract

This study aims to examine the effect of third-party funds, capital adequacy ratio and non-performing loans to credit distributionsimultaneously and partially.This research was conducted at a national private commercial bank issued on the Indonesia Stock Exchange in 2013-2017. This study uses a causal research design. The type of data used in this study is quantitative data consisting of financial statement data per year. The data used comprises of secondary data, that is, the source of data obtained from the general national banking foreign exchange company obtained at the IDX or the Indonesia Stock Exchange (IDX) is taken through the site www.idx.co.id. Samples were taken using purposive sampling method, so that a sample of 18 banking companies was obtained. Data analysis was carried out by multiple linear regression methods. The results showed that the variables of Third Party Funds (TPF), Capital Adequacy Ratio (CAR) and Non Performing Loans (NPL) simultaneously had a significant effect on lending (LDR) to national public banks designed on the Indonesia Stock Exchange. Partially the Third Party Fund (DPK) variable has a significant effect on Credit Distribution (LDR) with a significant value setting of 0.045. For the variable Capital Adequacy Ratio that does not have a significant effect on Lending by collecting a significant value of 0.291. Then for the Non- Performing Loan (NPL) variable in this study it has a significant negative impact on Credit Distribution (LDR) with a significant value of 0,000.