AUDHIN, SARELLIA RAHMANITA (2025) PENGARUH NON PERFORMING LOAN (NPL), CAPITAL ADEQUACY RATIO (CAR), INFLASI, DAN SUKU BUNGA TERHADAP PENYALURAN KREDIT (Studi Empiris pada Bank Umum Terdaftar di Bursa Efek Indonesia Tahun 2020-2022). Skripsi thesis, Universitas BPD.
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Abstract
This study aims to analyze the impact of Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), inflation, and interest rates on credit distribution in commercial banks listed on the Indonesia Stock Exchange in 2020-2022. This study applies the multiple linear regression method to analyze data obtained from bank financial reports and macroeconomic data. The results show that NPL, inflation, and interest rates have negative effect on credit distribution, while CAR shows positive effect on credit distribution. This study also reveals that banks with high NPLs tend to reduce credit distribution, while banks with high CAR tend to increase credit distribution. This study contributes to the literature on factors influencing credit distribution in commercial banks and can be used as a reference for banks and regulators in making decisions related to credit distribution.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | Penelitian ini bertujuan untuk menganalisis dampak Non-Performing Loans (NPL), Rasio Kecukupan Modal (CAR), inflasi, dan suku bunga terhadap distribusi kredit di bank-bank komersial yang terdaftar di Bursa Efek Indonesia pada periode 2020-2022. Penelitian ini menggunakan metode regresi linier berganda untuk menganalisis data yang diperoleh dari laporan keuangan bank dan data makroekonomi. Hasil penelitian menunjukkan bahwa NPL, inflasi, dan suku bunga memiliki dampak negatif terhadap distribusi kredit, sementara CAR memiliki dampak positif terhadap distribusi kredit. Penelitian ini juga mengungkapkan bahwa bank dengan NPL tinggi cenderung mengurangi distribusi kredit, sementara bank dengan CAR tinggi cenderung meningkatkan distribusi kredit. Penelitian ini berkontribusi pada literatur mengenai faktor-faktor yang mempengaruhi distribusi kredit di bank komersial dan dapat digunakan sebagai acuan bagi bank dan regulator dalam mengambil keputusan terkait distribusi kredit. |
| Uncontrolled Keywords: | Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Inflasi, Suku Bunga, Penyaluran Kredit, Bank Umum |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HG Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S1 |
| Date Deposited: | 18 Oct 2025 10:01 |
| Last Modified: | 18 Oct 2025 10:01 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/2903 |
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