PENGARUH DPK, LDR, NPL DAN ROA TERHADAP PENYALURAN KREDIT UMKM PADA BANK UMUM YANG TERDAFTAR DI BEI PERIODE 2016-2020 --

ABSTRAK
Destika Cynthia Evlyne, 2021. Pengaruh DPK, LDR, NPL, dan ROA Terhadap Penyaluran Kredit UMKM Pada Bank Umum Yang Terdaftar di BEI Periode 2016-2020. Dibawah bimbingan Ibu Ratna Wulaningrum, S.E., M.Si selaku Pembimbing I dan Bapak Drs. Khairil Akbar, M.Si selaku Pembimbing II.
Penelitian ini bertujuan untuk mengetahui pengaruh Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) dan Return On Assets (ROA) terhadap penyaluran kredit UMKM pada Bank Umum yang terdaftar di Bursa Efek Indonesia periode 2016-2020. Populasi dalam penelitian ini adalah semua bank umum yang terdaftar di Bursa Efek Indonesia sebanyak 45 perusahaan. Dan untuk kepentingan penelitian maka dipilih sampel dengan menggunakan metode purposive sampling sehingga diperoleh 11 bank umum yang memenuhi kriteria dalam penelitian ini. Metode analisis yang digunakan adalah analisis regresi linear berganda dengan menggunakan uji asumsi klasik, uji F dan uji t, serta uji koefisien determinasi ( dengan tingkat signifikansi sebesar 5%. Hasil pengujian tersebut menyatakan bahwa secara simultan DPK, LDR, NPL dan ROA berpengaruh terhadap penyaluran Kredit UMKM Bank Umum yang terdaftar di Bursa Efek Indonesia periode 2016-2020. Sedangkan secara parsial variabel DPK berpengaruh positif dan signifikan terhadap penyaluran kredit UMKM Bank Umum yang terdaftar di Bursa Efek Indonesia periode 2016-2020, variabel NPL berpengaruh negatif dan signifikan terhadap penyaluran kredit UMKM Bank Umum yang terdaftar di Bursa Efek Indonesia periode 2016-2020, serta variabel LDR dan ROA tidak berpengaruh signifikan terhadap penyaluran kredit UMKM Bank Umum yang terdaftar di Bursa Efek Indonesia periode 2016-2020.
Kata Kunci: Penyaluran Kredit UMKM, Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), dan Return On Assets (ROA)
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ABSTRACT
Destika Cynthia Evlyne, 2021. The Effect of TPF, LDR, NPL, and ROA on MSME Credit Distribution at Commercial Banks Listed on the IDX for the 2016-2020 Period. Under the guidance of Mrs. Ratna Wulaningrum, S.E., M.Si as Advisor I and Mr. Khairil Akbar, M.Si as Advisor II.
This study aims to determine the effect of Third Party Funds (TPF), Loan to Deposit Ratio (LDR), Non Performing Loans (NPL) and Return On Assets (ROA) on MSME lending to commercial banks listed on the Indonesia Stock Exchange for the period 2016-2020. The population in this study are all commercial banks listed on the Indonesia Stock Exchange as many as 45 companies. And for research purposes, the sample was selected using purposive sampling method in order to obtain 11 commercial banks that meet the criteria in this study. The analytical method used is multiple linear regression analysis using the classical assumption test, F test and t test, as well as the coefficient of determination test ( ) with a significance level of 5%. The test results state that simultaneously TPF, LDR, NPL and ROA have an effect on sales of MSME lending commercial banks listed on the Indonesia Stock Exchange for the period 2016-2020. While partially the TPF variable has a positive and significant effect on MSME lending Commercial Banks listed on the Indonesia Stock Exchange for the period 2016-2020, the NPL variable has a negative and significant effect on the MSME lending Commercial Banks listed on the Indonesia Stock Exchange for the period 2016-2020., and LDR and ROA have no significant effect on MSME lending Commercial Banks listed on the Indonesia Stock Exchange for the period 2016-2020..
Keywords: MSME Credit Distribution, Third Party Funds (TPF), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), and Return On Assets (ROA)