ANALISIS PENGARUH FAKTOR INTERNAL DAN EKSTERNAL PERBANKAN TERHADAP PENYALURAN KREDIT PERBANKAN DI INDONESIA (STUDI PADA PERBANKAN YANG TERDAFTAR DI BEI PERIODE 2009 – 2016)

Muchtar Ali Marwis Karim, Kamaliah Kamaliah, Enni Savitri

Abstract


This study aims to analyze the influence, Capital Adequacy Ratio (CAR),
Return on Assets (RoA), Operational Income Operating Cost (BOPO), Non
Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR)
, BI rate, inflation, exchange rate (exchange rate) and Gross Domestic Product
(GDP) on banking credit distribution in Indonesia in 2009-2016. The population
in this study is all banks listed on the Indonesia Stock Exchange. Sample of 24
companies. Data analysis using multiple linear regression. The results of this
study indicate that there is influence of Capital Adequacy Ratio (CAR), Return on
Assets (RoA), Operational Income Operating Cost (BOPO), Loan to Deposit
Ratio (LDR) and Gross Domestic Product (GDP) While Non Performing Loan
(NPL), Net Interest Margin (NIM), BI Rate, inflation and exchange rate
(exchange rate) have no effect on bank lending in Indonesia in 2009-2016. Based
on result of research of tenth hypothesis of Gross Domestic Product (GDP) effect
on Credit channeling.


Keywords


Company Growth, Capital Structure, Profitability and Corporate Value

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