Pengaruh Non Performing Loan, Capital Adequacy Ratio, Dana Pihak Ketiga, dan BI Rate terhadap Penyaluran Kredit pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2019-2022

Abstract

This research aims to measure the influence of Non Performing Loan, Capital Adequacy Ratio, Third Party Fund, and BI Rate on Loan Distiribution in Bank Companies listed on The Indonesia Stock Exchange for the 2019-2022 period. This type of research is associative causal (causal research) with a quantitative approach. The type of data used is secondary data, namely the financial statements of bank companies obtained from the Indonesian Stock Exchange. The population in this study were 47 companies, with the sampling technique using purposive sampling so that the selected sample was 42 companies with a total of 168 observations. The analytical methods employed in this study include descriptive statistics, tests of classical assumptions, multiple linear regression analysis, and hypothesis testing. The findings of this research reveal that Non Performing Loan and BI Rate have a positive and significant impact on Loan Distribution; Capital Adequacy Ratio has a negative and significant on Loan Distribution; Third Party Fund has a negative and not significant on Loan Distribution; simultaneously Non Performing Loan, Capital Adequacy Ratio, Third Party Fund, and BI Rate effect Loan Distribution.