PENGARUH DPK, CAR, NPL, DAN LDR TERHADAP PENYALURAN KREDIT PADA BANK UMUM TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2016-2021 --Ed. 1

PENGARUH DPK, CAR, NPL DAN LDR TERHADAP
PENYALURAN KREDIT PADA BANK UMUM TERDAFTAR
DI BURSA EFEK INDONESIA PERIODE 2016-2021
ABSTRAK
Wulan Yani Purnama 2022, “Pengaruh DPK, CAR, NPL dan LDR
Terhadap Penyaluran Kredit Pada Bank Umum Terdaftar di Bursa Efek Indonesia
Periode 2016-2021”. Jurusan Akuntansi, Program Studi D4 Keuangan dan
Perbankan, Politeknik Negeri Samarinda. Di bawah bimbingan Bapak H. Ibrahim
Musa, S.E., M. Bus. Selaku Pembimbing I dan Bapak Chottam, S.E., M.Si. Selaku
Pembimbing II.
Tujuan dari penelitian ini adalah untuk mengidentifikasi, menguji serta
mengetahui pengaruh Dana Pihak Ketiga, Current Adequacy Ratio, Non
Performing Loan, dan Loan to Deposit Ratio terhadap penyaluran kredit pada
Bank Umum Terdaftar di BEI Periode 2016-2021. Metode pengambilan sampel
dalam penelitian ini adalah purposive sampling dan penelitian ini menggunakan
sampel sebanyak 21 Bank Umum yang terdiri dari 43 data laporan keuangan.
Analisis statistik yang digunakan dalam penelitian ini adalah analisis stastistik
deskriptif, uji asumsi klasik, analisis regresi linear berganda, serta pengujian
hipotesis. Pengolahan data menggunakan software IBM SPSS Statistic 23.
Temuan dari hasil penelitian ini adalah variabel DPK, CAR, NPL dan LDR secara
parsial berpengaruh terhadap penyaluran kredit. Variabel DPK, CAR, NPL dan
LDR secara bersama-sama (simultan) berpengaruh terhadap penyaluran kredit.
Kata Kunci : Dana Pihak Ketiga, Current Adequacy Ratio, Non Performing
Loan, Loan to Deposit Ratio dan Penyaluran Kredit.
THE EFFECT OF THIRD PARTY FUNDS, CURRENT
ADEQUACY RATIO, NON-PERFORMING LOAN AND LOAN
TO DEPOSIT RATIO ON LENDING TO COMMERCIAL
BANKS IN INDONESIA STOCK EXHANGE FOR THE 2016-
2021 PERIOD
ABSTRACT
Wulan Yani Purnama 2022, "The Effect of Third Party Funds, Current
Adequacy Ratio, Non-Performing Loan and Loan to Deposit Ratio on Lending to
Commercial Banks in Indonesia Stock Exhange for the 2016-2021 Period".
Department of Accounting, D4 Finance and Banking Study Program, Samarinda
State Polytechnic. Under the guidance of Mr. H. Ibrahim Musa, S.E., M. Bus. As
Supervisor I and Mr. Chottam, S.E., M.Si. as Supervisor II.
The purpose of this study is to identify, test and determine the effect of
Third Party Funds, Current Adequacy Ratio, Non-Performing Loan, and Loan to
Deposit Ratio on lending to Commercial Banks Listed on the IDX for the 2016-
2021 Period. The sampling method in this study was purposive sampling and this
study used a sample of 21 commercial banks consisting of 43 financial statement
data. The statistical analysis used in this study is descriptive static analysis,
classical assumption test, multiple linear regression analysis, and hypothesis
testing. Data processing using IBM SPSS Statistics 23 software. The findings of
this study are that the variables of Third Party Funds, Current Adequacy Ratio,
Non-Performing Loan and Loan to Deposit Ratio partially affect lending.
Variable Third Party Funds, Current Adequacy Ratio, Non-Performing Loan, and
Loan to Deposit Ratio together (simultaneously) affect lending.
Keywords: Third Party Funds, Current Adequacy Ratio, Non Performing Loan,
Loan to Deposit Ratio and Lending