Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Loan Dan Tingkat Suku Bunga terhadap Penyaluran Kredit Bank Umum yang Terdaftar di Bursa Efek Indonesia

Melinda, Venna; Velicia, Velicia; Lau, Kenji; Khairani, Rafida

doi:10.33087/jiubj.v21i1.1183

Cited by 3 publications

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“…With this unstable capital, banks will reduce the amount of credit to reduce the risk due to losses arising from lending. The results of this study are from research conducted by (Melinda et al, 2021;Riadi, 2018;Arianti et al, 2016 ), which says that the ratio of CAR (Capital Adequacy Ratio) has a significant positive effect on lending in 2020 and 2021.…”

Section: Discussionmentioning

confidence: 79%

Factors affecting the number of banking loans during the covid-19 pandemic (empire study on Indonesian conventional commercial banks in 2020-2021)

Putri

Andi

Kusumawardani

2022

AJEBM

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This article discusses the factors that affect the amount of bank credit during the covid-19 pandemic. The decline in the number of loans disbursed in early 2020 led to overall economic instability. This phenomenon has sparked interest in researching factors affecting the amount of credit to provide solutions to the problems faced. Unlike previous research, this research focused on the amount of credit disbursed during the Covid-19 pandemic. In addition, this study also used all samples of conventional commercial banks registered with financial services authorities in Indonesia. The data used are banking financial reports in 2020 and 2021. This study analyzes banking performance as measured by the ratio of CAR, OEOI, LDR, NIM, and ROA whether or not it affects the amount of credit disbursed during the Covid-19 pandemic. The research method used is a test of classic assumptions and multiple linear regression analysis. The analysis results show that CAR, NIM, and ROA significantly positively affect the amount of credit distributed. Meanwhile, the LDR significantly negatively affects the amount of credit disbursed. These four variables affect the amount of credit disbursed by the bank. Bank management must pay attention to banking performance, especially the ratio of CAR, NIM, ROA and LDR so that the role of banks in disbursing loans remains optimal during the Covid-19 pandemic. The limitation in this study is that the number of variables studied is only 5 that have not shown a major influence in influencing the amount of credit disbursed. Further research is expected to examine many variables that show a large influence on the amount of credit disbursed to provide solutions for banks in increasing the amount of credit.

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Section: Discussionmentioning

confidence: 79%

Factors affecting the number of banking loans during the covid-19 pandemic (empire study on Indonesian conventional commercial banks in 2020-2021)

Putri

Andi

Kusumawardani

2022

AJEBM

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“…Fenomena research gap tersebut dapat ditunjukkan dari adanya inkonsistensi atau perbedaan hasil penelitian diantaranya adalah hasil penelitian Rakhmadani et al, (2017), Saputra & Ibrahim (2018), Suryawati et al, (2018, Wahyunita et al, (2018), Ismawanto et al, (2020, Mesrawati et al, (2020), Puspasari et al, (2020) serta Melinda et al, (2021) yang menyebutkan dana pihak ketiga berpengaruh positif signifikan terhadap penyaluran kredit. Berbeda dengan hasil penelitian Abdi et al, (2020) dan Setianingrum et al, (2021) yang menyebutkan dana pihak ketiga berpengaruh positif tidak signifikan terhadap penyaluran kredit.…”

Section: Pendahuluanunclassified

“…Hasil penelitian Ismawanto et al, (2020), Mesrawati et al, (2020) juga menunjukkan bahwa semakin tinggi rasio CAR yang dimiliki oleh bank akan memberikan pengaruh positif dan signifikan terhadap peningkatan penyaluran kredit. Hal ini diperkuat dengan hasil penelitian Melinda et al, (2021) serta Setianingrum et al, (2021) yang menyatakan dengan semakin meningkat rasio CAR akan berpengaruh positif dan signifikan terhadap peningkatan penyaluran kredit. Dari uraian serta adanya hasil dari penelitian sebelumnya, hipotesis yang diajukan sebagai berikut: H2 : Diduga Capital Adequacy Ratio berpengaruh positif dan signifikan terhadap penyaluran kredit.…”

Section: ) Pengaruh Capital Adequacy Ratio Terhadap Penyaluran Kreditunclassified

“…Hal ini dilakukan agar nasabah semakin tertarik menyimpan uangnya di bank tersebut, sehingga dana yang terkumpul dari nasabah semakin besar, dan jumlah penyaluran kreditnya meningkat yang pada akhirnya akan dapat berdampak pada kenaikan keuntungan dari bank. Hasil ini telah mendukung hasil penelitian yang dilakukan oleh Rakhmadani et al, (2017), Saputra & Ibrahim (2018), Suryawati et al, (2018, Wahyunita et al, (2018), Ismawanto et al, (2020), Mesrawati et al, (2020), Puspasari et al, (2020) serta Melinda et al, (2021) yang menyatakan dana pihak ketiga berpengaruh positif dan signifikan terhadap penyaluran kredit.…”

Section: ) Pembahasan A) Pengaruh Dana Pihak Ketiga Terhadap Penyalur...unclassified

“…Hasil ini tidak mendukung hasil penelitian Rakhmadani et al, (2017), Mamahit & Sumiyarsih (2018), Prihartini & Dana (2018), Suryawati et al, (2018), Ismawanto et al, (2020, Mesrawati et al, (2020), Melinda et al, (2021) serta Setianingrum et al, (2021) yang menyatakan Capital Adequacy Ratio berpengaruh signifikan terhadap penyaluran kredit. Akan tetapi hasil penelitian ini lebih mendukung hasil penelitian Pratiwi & Hindasah (2014), Mariyani et al, (2016), Putra (2017), Wahyunita et al, (2018), Abdi et al, (2020) yang menyatakan Capital Adequacy Ratio berpengaruh tidak signifikan terhadap penyaluran kredit.…”

Section: B) Pengaruh Capital Adequacy Ratio Terhadap Penyaluran Kreditunclassified

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Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, dan Return On Asset Terhadap Penyaluran Kredit Pada Sektor Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2018-2020

Aminah

2022

Jurnal Ilmiah-Serat Acitya

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This study aimed to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Return On Assets (ROA) on credit distribution at banking sector listed in Indonesian Stock Echange for the 2018-2020 period. The population used in this study is all financial statements of commercial banks listed on the Indonesia Stock Exchange during 2018 - 2020, and the size of the sample used is 87 observational data, with the sampling technique using the census method that data was secondary data. The method of data collection was documentation. The data analysis technique used was multiple linear regression analysis. The results showed that Third Party Funds had a significant positive effect on lending, the Capital Adequacy Ratio had an insignificant negative effect on lending, and Return On Asser had a positive but not significant effect on lending. The value of the coefficient of determination is 0.702, meaning that the variables of Third Party Funds, Capital Adequacy Ratio and Return On Assets can explain the variation in lending variables of 70.2%.Keywords: Third Party Funds, Capital Adequacy Ratio, Return On Assets, and Credit

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Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, dan Return On Asset Terhadap Penyaluran Kredit Pada Sektor Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2018-2020

Ghea Ayu Noviarvanty,

Siti Aminah

2022

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This study aimed to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Return On Assets (ROA) on credit distribution at banking sector listed in Indonesian Stock Echange for the 2018-2020 period. The population used in this study is all financial statements of commercial banks listed on the Indonesia Stock Exchange during 2018 - 2020, and the size of the sample used is 87 observational data, with the sampling technique using the census method that data was secondary data. The method of data collection was documentation. The data analysis technique used was multiple linear regression analysis. The results showed that Third Party Funds had a significant positive effect on lending, the Capital Adequacy Ratio had an insignificant negative effect on lending, and Return On Asser had a positive but not significant effect on lending. The value of the coefficient of determination is 0.702, meaning that the variables of Third Party Funds, Capital Adequacy Ratio and Return On Assets can explain the variation in lending variables of 70.2%.

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Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Loan Dan Tingkat Suku Bunga terhadap Penyaluran Kredit Bank Umum yang Terdaftar di Bursa Efek Indonesia

Cited by 3 publications

References 0 publications

Factors affecting the number of banking loans during the covid-19 pandemic (empire study on Indonesian conventional commercial banks in 2020-2021)

Factors affecting the number of banking loans during the covid-19 pandemic (empire study on Indonesian conventional commercial banks in 2020-2021)

Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, dan Return On Asset Terhadap Penyaluran Kredit Pada Sektor Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2018-2020

Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, dan Return On Asset Terhadap Penyaluran Kredit Pada Sektor Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2018-2020

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