Analisis Determinan Penyaluran Kredit Usaha Rakyat Pada Bank Yang Terdaftar Di Otoritas Jasa Keuangan

Pratiwi, Nani and , Imronudin, S.E, M.Si, Ph.D (2022) Analisis Determinan Penyaluran Kredit Usaha Rakyat Pada Bank Yang Terdaftar Di Otoritas Jasa Keuangan. Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

This study aims to analyze and discuss the determinants of people's business credit distribution at banks registered with the Financial Services Authority. The population used in this study were all banks registered with the Financial Services Authority (OJK) for the 2016-2020 period. The sample in this study were 8 banking companies which were selected with certain criteria using the purposive sampling method. The data collected in this study are secondary data sources which obtained from quarterly reports published by each bank and monetary policy reports published by Bank Indonesia for the 2016-2020 period. The technique of collecting sample data is using literature study. The data analysis method used in this study uses panel data regression analysis with a random effects model that is processed using eviews. The results showed that the Loan to Deposit Ratio (LDR) had a positive effect on the distribution of people's business loans, the Operational Expenses of Operational Income (BOPO) had a negative effect on the distribution of people's business loans, Third Party Funds (DPK) had a positive effect on the distribution of people's business loans., Capital Adequacy Ratio (CAR) has a positive effect on the distribution of people's business credit, the Credit Interest Rate (SBK) has a negative effect on the distribution of people's business credit, Product Domestic Bruto (PDB) and inflation has no effect on the distribution of people's business credit.

Item Type:	Thesis (Skripsi)
Uncontrolled Keywords:	people's business credit distribution, LDR, BOPO, DPK, CAR, SBK, GDP, Inflation
Subjects:	H Social Sciences > HG Finance
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	NANI PRATIWI
Date Deposited:	19 Feb 2022 06:46
Last Modified:	19 Feb 2022 06:46
URI:	http://eprints.ums.ac.id/id/eprint/98106

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