PENGARUH KINERJA KEUANGAN TERHADAP PENYALURAN KREDIT (STUDI PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2016-2018)

Abstract

This research aimed to examine the effect of finance performance which was measured by Non-Performing Loan (NPL), Operational Cost Operational Income, and Third-Party Fund on the credit distribution.This research was quantitative. Moreover, the population was some banking companies which were listed on Indonesia Stock Exchange 2016-2018. Furthermore, the data collection technique used purposive sampling. In line with, there were 81 samples from 27 companies. Additionally, the data were secondary which in the form of financial statement. In addition, the data analysis technique used multiple linear regression with SPSS.The research result concluded Non-Performing Loan (NPL) and Operational Cost Operational Income did not affect the credit distribution. On the other hand, Third-Party Fund had positive effect on the credit distribution.
Keywords: credit distribution, NPL, BOPO, DPK.