Pengaruh Faktor Internal dan Eksternal terhadap Penyaluran Kredit Usaha Rakyat (KUR) bagi UMKM (Studi Kasus Pada PT. Bank Rakyat Indonesia Tahun 2011-2020)

Abstract

The purpose of this study was to determine the internal and external factors that affect the distribution of KUR. The variables that are thought to have an effect on the distribution of KUR are interest rates, Capital Adequacy Ratio (CAR) and inflation. The data used is time series data, namely the distribution of BRI KUR in 2011-2020. This study uses a quantitative appoarch with analysis of hypothesis testing and descriptive analysis. The analysis technique used is multiple liniear regression. The results showed that the interest rate had a negative and significant effect on the distribution of KUR. CAR has a negative and significant effect on the distribution of KUR. Inflation has a negative and significant effect on the distribution of KUR. Interest rates, CAR and inflation together have a significant effect on the distribution of KUR.

The Influence of Internal and External Factors on Bank Lending

“…Meanwhile, in the research of Karim et al (2019), Capital Adequacy Ratio (CAR), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), Non-Performing Loans (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR), BI rate, inflation, exchange rate and Gross Domestic Product (GDP) are factors that affect lending. Sari et al (2022) explained in their research that internal and external factors in lending are Interest Rates, Capital Adequacy Ratio (CAR), and Inflation. Setyawan (2016) described the factors that influence lending in his research, namely Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Return on Assets (ROA), SBI Interest Rates and Economic Growth.…”

The Influence of Customer Trust and Value on Customer Loyalty Small and Medium Business (Smes) PT Bank Rakyat Indonesia Branch Office Cilegon

“…Such conditions inevitably require that every bank business in Indonesia must be able to optimize superior services or services to its SMEs customers (Elliyana et al, 2020;Muhammad & Rozali, 2017). The ability of BRI Bank to be able to provide maximum service from the products purchased and or used by Small and Medium Business Customers (SMEs), as well as the ability to adapt to changes and advances in the environment, socio-culture and technology, and the behavior of Small Business Customers and Medium Enterprises (SMEs) has become very important at this time (Sari & Imaningsih, 2022).…”