Analisis Pengaruh Dana Pihak Ketiga, Kredit Bermasalah, Loan to Deposit Ratio terhadap Penyaluran Kredit Sebelum dan Sesudah Covid-19 dengan Profitabilitas sebagai Variabel Moderating pada Bank Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2017 Sampai 2022

Abstract

This research delves into the determinants of credit distribution at the conventional banks listed on the Indonesia Stock Exchange from the period of 2017 until 2022. The dependent variable is credit distribution, independent variables are namely third-party fund, non-performing loans, and loan to deposit ratio, and profitability as the moderator. The analysis methods used in this research consist of multiple linear regression, paired-samples T test, and moderated regression. The research employs 40 banking companies with 240 data. The results indicate that third party fund and loan to deposit ratio significantly and positively affect credit distribution. Non-performing loan insignificantly and positively affect credit distribution. In addition, there are significant differences in the level of third-party fund and loan to deposit ratio pre- and post-Covid-19 pandemic. However, there is no significant difference in the level of non-performing loan. Profitability is not able to moderate all effects of independent variables on credit distribution.