PENGARUH KINERJA KEUANGAN TERHADAP PENYALURAN KREDIT (STUDI PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA)

Abstract

Credit distribution is the main activity which carried out in the bank’s operations by the agreement of both sides with the interests that have to be paid as Bank Return. This research axamine the effect of Return On Asset (ROA), Non-Performing Loan (NPL), Loan to Deposit (LDR) and Capital Adequacy Ratio (CAR) on the Credit Distribution. The population was 21 banking companies which were listed on the Indonesia Stock Exchange (IDX) 2015-2017. While the data collection technique used purposive sampling as the sample had been collected with the criteria given. Moreover, there were 63 samples. Furthermore, the data was secondary which in the form of financial statement. In addition, the data analysis technique used multiple liniear regressions analysis with SPSS (Statiscal Product and Service Solustion). The research result concluded the Return On Asset (ROA), Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) had positive effect in the Credit Distribution. On the other hand, Non-Performing Loan (NPL) did not effect on the Credit Distribution.
Keywords: Return On Asset (ROA), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR).