Analisis Faktor-Faktor yang Mempengaruhi Kebijakan Penyaluran Kredit Perbankan

Abstract

This research aims to determine the influence of Third Party Funds, Capital Adequacy Ratio, Non-Performing Loans, and BI Rate on Banking Credit Distribution. This study uses secondary data. The object of research in this study is 10 commercial banks in Indonesia in 2018-2022 and the research method that used in this study is panel data analysis method and the amount of data used is 50 data. Hypothesis testing was carried out using the coefficient of determination test (R2), Simultaneous Significance Test (F Test), and Partial Test (t test). The results show that simultaneously the Third Party Funds, Capital Adequacy Ratio, Non-Performing Loans, BI Rate have a significant effect on banking credit distribution. Partially, Third Party Funds (DPK) has a positive and significant effect on Banking Credit Distribution, Capital Adequacy Ratio (CAR) has a negative and significant effect on Banking Credit Distribution, Non Performing Loans (NPL) has a negative and significant effect on Banking Credit Distribution, BI Rate has a positive and significant effect on Banking Credit Distribution. The coefficient of determination (R2) in this study is 92.52%, and the remaining 7.48% is the influence of other factors not examined in this study.