Update Artikelilmiah: 11533

ANITA DESTY AMALIA

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Abstrak (Bhs. Indonesia)

Tujuan dari penelitian ini adalah untuk menganalisis pengaruh dana pihak ketiga (DPK), capital adequacy ratio (CAR), return on asset (ROA), non performing loan (NPL), loan to deposit ratio (LDR), dan biaya operasional  terhadap jumlah kredit yang disalurkan. Populasi dalam penelitian ini adalah perusahaan perbankan yang terdaftar di BEI (Bursa Efek Indonesia) selama 2010-2013. Metode pengambilan sampel dalam penelitian ini menggunakan purposive sampling. Terdapat 23 perusahaan perbankan sebagai data observasi. Penelitian ini menggunakan regresi berganda dengan SPSS (Statistical Package for the Social Sciens) versi 16. Hasil penelitian menunjukkan bahwa rasio capital adequacy ratio (CAR) tidak berpengaruh terhadap jumlah kredit yang disalurkan. Dana pihak ketiga (DPK), return on asset (ROA), loan to deposit ratio (LDR), biaya operasional terhadap pendapatan operasional (BOPO) berpengaruh positif terhadap jumlah kredit yang disalurkan. Dan non performing loan (NPL) berpengaruh negatif terhadap jumlah kredit yang disalurkan.

Abtrak (Bhs. Inggris)

The purpose of this study is to analyze the effect of third-party funds (DPK), capital adequacy ratio (CAR), return on assets (ROA), non performing loan (NPL), loan to deposit ratio (LDR), and operating expences toward total loans distributed. The study is carried at all of banking companies that listed in the Indonesia Stock Exchange (IDX) during 2010-2013. The populations is companies listed in the IDX (Indonesia Stock Exchange). The samples method of the research is purposive. there are 23 banking companies that are as observation data. This study uses multiple regression with SPSS (Statistical Package for the Social Sciens) version 16. The results show that capital adequacy ratio (CAR) did not effect the total loans distributed. Third-party funds (DPK), return on assets (ROA), loan to deposit ratio (LDR), operating expences to operating income ratio (BOPO) has a positive effect on total loans distributed. And non performing loan (NPL) has a negative effect on total loans distributed.

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