PENGARUH DPK, NPL, DAN CAR TERHADAP JUMLAH PENYALURAN KREDIT PERBANKAN PERSERO

Abstract

Banking company has important role in the field financing of a country. Thedistribution of credit
which has been carried outby bankshas important rolefor the growth ofthe economy of acountry. The
smoothnessof the distribution of credit activitygives positive impactonthe development of
publiceconomy. The purpose of this research is to find out the influence of third-party funds (DPK),
non-performing loan (NPL), and capital adequacy ratio (CAR) to the amount ofdistribution of credit
which has beengranted bystate-ownedbanksinIndonesiain 2009-2014 periods. The data analysis
technique has been done by using multiple regressions analysis technique, the hypothesis test either
simultaneous and partial has been done by performing F test and t test, and classic assumption test
which includes normality test, multicollinearity, heteroscedasticity and autocorrelation. The result of
this research shows that : (1) simultaneously, third-party funds (DPK), non-performing loan (NPL),
and capital adequacy ratio (CAR) have significant influence to the amount of distribution of credit
which has been granted by the state-owned banks; (2) third-party funds (DPK) has significant
influence to the amount of distribution of credit; (3) non-performing loan (NPL) and the capital
adequacy ratio(CAR) has no significant influence to the amount of distribution of credit.

Keywords:Third-partyfunds, Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), and The
amount of distributed credit.