ANALISIS PENGARUH CAR, DPK, LDR, BOPO DAN ROA TERHADAP PENYALURAN KREDIT PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2016-2020 --

ABSTRAK
Yolanda Dysa Pratiwi, 2021. Analisis Pengaruh Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO) dan Return On Assets (ROA) Terhadap Penyaluran Kredit Pada Bank Umum Yang Terdaftar Di Bursa Efek Indonesia Periode 2016 - 2020. Pembimbing 1 Bapak Dr. H. Sabri Nurdin, S.E., M.M., dan Pembimbing 2 Bapak Drs. H. Noor Fachman Tjetje, M.TM. Penelitian ini bertujuan untuk menganalisis dan membuktikan pengaruh parsial dan simultan dari variabel-variabel yang diteliti. Penelitian ini menggunakan 5 variabel independen yaitu Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO) dan Return On Assets (ROA). Sementara itu, untuk variabel dependen yaitu Penyaluran Kredit. Analisis menggunakan regresi linier berganda dengan melihat hasil output SPSS di kolom Standardized Coefficient Beta. Hasil analisis regresi linear berganda menggunakan SPSS Versi 23 memperoleh persamaan Y = ? - 0,004 X1 + 1,066 X2 + 0,177 X3 + 0,004 X4 + 0,019 X5 + e. Nilai CAR sebesar – 0,004, nilai DPK sebesar 1,066, nilai LDR sebesar 0,177, nilai BOPO sebesar 0,004 dan nilai ROA sebesar 0,019. Hasil penelitian menunjukan bahwa secara parsial variabel DPK dan LDR berpengaruh signifikan, variabel CAR, BOPO dan ROA tidak berpengaruh terhadap Penyaluran Kredit. Sementara itu, secara simultan variabel CAR, DPK, LDR, BOPO dan ROA berpengaruh secara bersama – sama terhadap Penyaluran Kredit.
Kata Kunci: Penyaluran Kredit, Capital Adequacy Ratio, Dana Pihak Ketiga, Loan To Deposit Ratio, Biaya Operasional Pendapatan Operasional dan Return On Assets
ABSTRACT
Pratiwi, Yolanda Dysa, 2021. Analysis of the Effect of Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Loan to Deposit Ratio (LDR), Operational Cost and Operational Income (BOPO) and Return On Assets (ROA) on Credit Distribution in the Commercial Banks Listed in the Indonesia Stock Exchange (IDX) in the period 2016 - 2020. Mr. Dr. H. Sabri Nurdin, S.E., M.M. as first advisor and Mr.Drs. H. Noor Fachman Tjetje, M.TM. as the second advisor. This Study aims to analyze and prove the partial and simultaneous influence of the variable studied. This study used five variables: Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Loan to Deposit Ratio (LDR), Operational Cost and Operational Income (BOPO) and Return On Assets (ROA). Meanwhile, Credit Distribution was the dependent variable. The analysis used the multiple liniear regression by looking at the result of the SPSS output in the Standardized Coefficients Beta Column. The result of the multiple regression analysis using SPSS version 23 obtained the equation that is Y = ? - 0,004 X1 + 1,066 X2 + 0,177 X3 + 0,004 X4 + 0,019 X5 + e. CAR value is – 0,004, DPK value is 1,066, LDR value is 0,177, BOPO value is 0,004 and ROA value is 0,019. The result showed that partially the DPK and LDR variables had a significant effect on Credit Distribution, CAR, BOPO and ROA variables had no effect on Credit Distribution. Meanwhile, simultaneously variable CAR, DPK, LDR, BOPO and ROA jointly affect Credit Distribution.
Keywords: Credit Distribution, Capital Adequacy Ratio, Third Party Funds, Loan to Deposit Ratio, Operational Cost and Operational Income and Return On Assets.