Anantasari, Findy Tiara (2020) ANALISIS FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP PENYALURAN KREDIT PERBANKAN (Studi pada Perbankan Konvensional yang Terdaftar pada Bursa Efek Indonesia Periode 2015-2018). Undergraduate thesis, Universitas Stikubank.
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Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh variabel Ukuran Bank (Bank Size), Capital Adequacy Ratiio (CAR), Loan to Deposit Ratio (LDR), dan tingkat suku bunga kredit (SBK) terhadap penyaluran kredit perbankan. Pengujian hipotesis pada penelitian ini menggunakan analisis regresi berganda. Sampel yang digunakan dalam penelitian ini sebanyak 40 perusahaan perbankan yang terdaftar pada Bursa Efek Indonesia (BEI) dengan metode purposive sampling, yaitu metode pemilihan secara acak berdasarkan kriteria. Kriteria yang dimaksud adalah perusahaan perbankan konvensional yang terdaftar dan melaporkan laporan keuangan secara teratur dan lengkap pada BEI periode tahun 2015-2018. Hasil penelitian ini dilakukan uji hipotesis secara parsial menunjukan bahwa variabel Ukuran Bank (Bank Size) dan LDR berpengaruh positif signifikan terhadap penyaluran kredit perbankan, sementara itu variabel CAR berpengaruh negatif signifikan dan variabel Suku Bunga Kredit berpengaruh negatif tetapi tidak signifikan terhadap penyaluran kredit perbankan. The aim of this research is to investigative the effect of Bank Size, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and credit interest rates (SBK) to Bank Credit Distribution. Hypothesis testing in this research using multiple regression analysis. The sample used in this study were 40 banking companies listed on the Indonesia Stock Exchange (IDX) with a purposive sampling method, which is a random selection method based on criteria. The criterias are conventional banking companies that are registered and reporting financial reports regularly and completely on the IDX for the period 2015-2018. The results of this study were partially hypothesized to show that the Bank Size and LDR variables had a significant positive effect on bank credit distribution, while the CAR variable had a significant negative effect and the Credit Interest Rates variable had a negative but not significant effect on bank credit distribution.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Additional Information: | SKR.V.05.52.2180 NIM.18.05.52.5013 |
| Uncontrolled Keywords: | Ukuran Bank, CAR, LDR, Suku Bunga Kredit, Penyaluran Kredit Bank |
| Subjects: | H Social Sciences > HG Finance |
| Faculty / Institution: | Fakultas Ekonomika dan Bisnis > Program Studi Akuntansi |
| Depositing User: | Farida Sri Endaryani |
| Date Deposited: | 09 Nov 2020 03:36 |
| Last Modified: | 09 Nov 2020 03:36 |
| URI: | https://eprints.unisbank.ac.id/id/eprint/7372 |
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