Gusti, Rahardian Dharma Parayana (2024) PENGARUH RETURN ON ASSET (ROA), NON PERFORMING LOAN (NPL) DAN BI RATE TERHADAP PENYALURAN KREDIT (Studi Pada Bank Umum Konvensional yang Terdaftar di Otoritas Jasa Keuangan (OJK) Tahun 2020 - 2022). Skripsi thesis, Universitas BPD.
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Abstract
This research aims to analyze the influence of Return On Assets (ROA), Non-Performing Loans (NPL) and BI Rate on credit distribution. The object of this research was carried out on conventional banks registered with the Financial Services Authority (OJK) in 2020 - 2022. The population in this research included conventional banking companies (Persero and national private companies) registered with the OJK in 2020-2022, totaling 63 banks. The sample used in this research was 141 data banks which met the specified criteria. The analytical method in this research uses descriPTive analysis methods, classical assumPTion tests, and multiple regression tests using SPSS. The results of this research show that Return On Assets has a significant positive effect on credit distribution, Non-Performing Loans have no effect on credit distribution, BI Rate has no effect on credit distribution. Keywords: Return On Assets, Non Performing Loans, BI Rate, Credit Distribution.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | Penelitian ini bertujuan untuk menganalisis pengaruh Return On Asset (ROA), Non Performing Loan (NPL) dan BI Rate terhadap penyaluran kredit. Objek penelitian ini dilakukan pada Bank Konvensional yang terdaftar di Otoritas jasa Keuangan (OJK) tahun 2020 – 2022. Populasi dalam penelitian ini yaitu meliputi perusahaan perbankan konvensional (persero dan swasta nasional) yang terdaftar di OJK tahun 2020-2022 yang berjumlah 63 bank. Sampel yang digunakan dalam penelitian ini adalah berjumlah 141 data bank yang telah sesuai dengan kriteria yang ditetapkan. Metode analisis dalam penelitian ini menggunakan metode analisis deskriPTif, uji asumsi klasik, dan uji regresi berganda dengan menggunakan SPSS. Hasil dari penelitian ini menunjukkan bahwa Return On Asset berpengaruh positif signifikan terhadap penyaluran kredit, Non Performing Loan tidak berpengaruh terhadap penyaluran kredit, BI Rate tidak berpengaruh terhadap penyaluran kredit. |
| Uncontrolled Keywords: | Return On Asset, Non Performing Loan, BI Rate, Penyaluran Kredit. |
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HA Statistics H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HD Industries. Land use. Labor H Social Sciences > HE Transportation and Communications H Social Sciences > HF Commerce H Social Sciences > HG Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S1 |
| Date Deposited: | 20 Sep 2025 10:16 |
| Last Modified: | 20 Sep 2025 10:16 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/2604 |
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