Yefa Zikri, Fitni (2025) Analisis Pengaruh Non-Performing Loan Ratio (NPLR), Capital Adequacy Ratio (CAR), BI Rate, dan Dana Pihak Ketiga (DPK) Terhadap Penyaluran Kredit Bank Umum di Indonesia. S1 thesis, Universitas Jambi.
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Abstract
ABSTRAK Penelitian ini berjudul “Analisis Pengaruh Non-Performing Loan Ratio, Capital Adequacy Ratio, BI Rate, dan Dana Pihak Ketiga Terhadap Penyaluran Kredit Bank Umum di Indonesia.” Dibawah bimbingan Ibu Dra. Rahma Nurjanah, M.E. dan Bapak H. Parmadi, S.E., M.E. Tujuan dari penelitian ini adalah 1). Untuk menganalisis perkembangan NPLR, CAR, BI Rate, dan Dana Pihak Ketiga kredit perbankan. 2). Untuk mengetahui dan menganalisis pengaruh NPLR, CAR, BI Rate, dan Dana Pihak Ketiga terhadap kredit bank umum di Indonesia. Penelitian ini menggunakan data sekunder berupa data berkala (time series). Metode analisis yang digunakan meliputi analisis deskriptif kualitatif untuk menggambarkan variabel penelitian dan analisis kuantitatif untuk menguji hubungan antar variabel menggunakan korelasi. Alat analisis data yang digunakan ialah regresi linear berganda dengan menggunakan aplikasi Eviews 10. Hasil penelitian menunjukkan bahwa rata-rata penyaluran kredit bank umum selama periode penelitian adalah 1,85%. Hasil ini menunjukkan Variabel NPLR, BI Rate, dan DPK secara signifikan memengaruhi penyaluran kredit, sedangkan CAR tidak memberikan pengaruh yang signifikan terhadap penyaluran kredit. Kata Kunci: NPLR, CAR, BI Rate, DPK, dan Penyaluran Kredit ABSTRACT This study is entitled "Analysis of the Influence of Non-Performing Loan Ratio, Capital Adequacy Ratio, BI Rate, and Third-Party Funds on Commercial Bank Credit Distribution in Indonesia." Under the guidance of Mrs. Dra. Rahma Nurjanah, M.E. and Mr. H. Parmadi, S.E., M.E. The objectives of this study are 1). To analyze the development of NPLR, CAR, BI Rate, and Third Party Funds of banking credits. 2). To find out and analyze the influence of NPLR, CAR, BI Rate, and Third-Party Funds on commercial bank credit in Indonesia. This study uses secondary data in the form of time series data. The analysis methods used include qualitative descriptive analysis to describe research variables and quantitative analysis to test the relationship between variables using correlation. The data analysis tool used was multiple linear regression using the Eviews 10 application. The results of the study showed that the average credit disbursement of commercial banks during the study period was 1.85%. These results show that the variables of NPLR, BI Rate, and DPK significantly affect credit disbursement, while CAR does not have a significant influence on credit disbursement. Keywords: NPLR, CAR, BI Rate, DPK, and Credit Distribution
| Type: | Thesis (S1) |
|---|---|
| Subjects: | L Education > L Education (General) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ekonomi Pembangunan |
| Depositing User: | ZIKRI |
| Date Deposited: | 08 Jul 2025 08:19 |
| Last Modified: | 08 Jul 2025 08:19 |
| URI: | https://repository.unja.ac.id/id/eprint/82156 |
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