ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT (Studi Kasus pada Perusahan Perbankan yang Terdaftar di Bursa Efek Indonesia Tahun 2010-2015)

Abstract

The objective of this research is to analyze the influence of loan interest
rate policy toward credit distribution at banking company listed in Indonesia
Stock Exchange, to analyze the influence of capital adequacy ratio (CAR) to credit
distribution at banking company listed in Indonesia Stock Exchange to analyze
influence return on assets (ROA) on credit disbursement at a listed banking
company in the stock exchange, to analyze the effect of non performing loan
(NPL) on loan disbursement to a banking company listed on the Indonesia Stock
Exchange to analyze the effect of the loan deposit ratio (LDR) to credit
distribution to a banking company listed on the Indonesia Stock Exchange.
The population in this study are all banking companies (banking) listed on
the Indonesia Stock Exchange from 2010-2015, which amounted to 36 companies.
While the sample of 29 companies, after using purposive sampling method. Data
collection techniques are based on the variables studied using documentation
method, while the data collected are about loan interest rate, capital adequacy
ratio (CAR), return on assets (ROA), non performing loan (NPL) and loan to
deposit ratio (LDR) and credit disbursement. Data analysis technique in this
research is doubled linear regression.
The result of this research concludes that there is no influence of interest
rate, return on asset, non performing loan to credit distribution of banking
company that listed in Indonesian Stock Exchange for 2010-2015 period. But
there is the influence of capital adequacy ratio and loan to deposit ratio to credit
distribution of banking companies listed in Indonesia Stock Exchange Period
2010-2015.