| NIM | C1B012055 |
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| Namamhs | TIKA PUSPITA YULIANI |
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| Judul Artikel | Analisis Pengaruh DPK, LDR, NPL, CAR, ROA, BOPO dan Spread Tingkat Suku Bunga Bank terhadap Penyaluran Kredit UMKM pada Bank Umum Swasta Nasional Devisa di Indonesia |
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| Abstrak (Bhs. Indonesia) | Penelitian ini bertujuan untuk menganalisis pengaruh Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Return On Assets (ROA), Beban Operasional terhadap Pendapatan Operasional (BOPO), dan spread tingkat suku bunga bank terhadap penyaluran kredit UMKM pada Bank Umum Swasta Nasional Devisa di Indonesia periode 2011-2014. Sampel yang digunakan adalah sebanyak 20 bank yang diambil dengan metode purposive sampling. Alat analisis yang digunakan dalam penelitian ini yaitu analisis regresi berganda. Berdasarkan hasil penelitian menunjukkan bahwa DPK, LDR, dan spread tingkat suku bunga bank berpengaruh positif terhadap penyaluran kredit UMKM. NPL berpengaruh negatif terhadap penyaluran kredit UMKM, sedangkan CAR, ROA, dan BOPO tidak berpengaruh terhadap penyaluran kredit UMKM. |
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| Abtrak (Bhs. Inggris) | This research aimed to analyze the effect of Third Party Funds (DPK), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Return on Assets (ROA), Operational Expense to Operational Income (BOPO), and interest rate spread to credit distribution of SMEs on Foreign Exchange Commercial Banks Operations in Indonesia during 2011-2014. The samples used were 20 banks taken by purposive sampling method. This study used multiple regression analysis. Based on the research result showed that DPK, LDR, and interest rate spread of bank had positive effect on credit distribution of SMEs. NPL had negative effect on credit distribution of SMEs. CAR, ROA, and BOPO did not have effect to credit distribution of SMEs. |
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| Kata kunci | Penyaluran Kredit UMKM, Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Return On Assets (ROA), Beban Operasional terhadap Pendapatan Operasional (BOPO), dan spread tingkat suku bunga bank. |
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| Pembimbing 1 | Drs.Jaryono, MSIE. |
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| Pembimbing 2 | Drs.Suwaryo, Msi. |
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| Pembimbing 3 | |
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| Tahun | 2016 |
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| Jumlah Halaman | 16 |
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| Tgl. Entri | 2016-02-12 18:29:50.42414 |
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