PENGARUH DANA PIHAK KETIGA, NILAI KECUKUPAN MODAL, DAN KREDIT MACET TERHADAP PENYALURAN KREDIT

Abstract

Banking is an institution that plays an important role for the economic development of a country. Banking is responsible for collecting funds from the community and channeling back to the community in the form of credit. The smoothness of credit distribution activities has a positive impact on the economic development of the community. This research aims to investigate the influence of third party funds, capital adequacy value, and credit freeze to credit distribution using loan to deposit ratio (LDR) ratio as an indicator of bank effectiveness. Population in this research is obtained by using purposive sampling technique at banking company which is listed in Indonesia Stock Exchange in 2012-2016 period. Based on predetermined criteria, the sample of 27 banking companies with using SPSS application tools is obtained. The results of this research indicates that third party funds have a significant influence on the distribution of credit means the higher the third party funds will encourage the increase in the amount of lending, capital adequacy value give significant influence to the distribution of credit means the higher capital adequacy value is able to anticipate the potential losses caused by the distribution credit and freeze credit does not give any significant influence to the distribution of credit means that the high freeze credit value does not directly lead to credit decline.
Keywords: Third party funds, capital adequacy value, freeze credit, and distribution of credit.