Artikel Ilmiah : C1B012130 a.n. PUTRI DAMAYANTI
| NIM | C1B012130 |
|---|---|
| Namamhs | PUTRI DAMAYANTI |
| Judul Artikel | ANALISIS PENGARUH FAKTOR INTERNAL BANK TERHADAP PENYALURAN KREDIT PERUSAHAAN DAERAH BANK PERKREDITAN RAKYAT (STUDI KASUS PD BPR BKK KEBUMEN TAHUN 2012-2015) |
| Abstrak (Bhs. Indonesia) | Penelitian ini merupakan penelitian empiris dilakukan pada perusahaan perbankan PD BPR BKK Kebumen periode 2012-2015. Judul penelitian ini adalah “Analisis Pengaruh Faktor Internal Bank terhadap Penyaluran Kredit Perusahaan Daerah Bank Perkreditan Rakyat (Studi Kasus PD BPR BKK Kebumen Tahun 2012-2015)”. Tujuan penelitian ini untuk menganalisis pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return On Assets (ROA), Non Performing Loan (NPL), Suku Bunga Kredit, dan Beban Operasional terhadap Pendapatan Operasional (BOPO) pada PD BPR BKK Kebumen tahun 2012-2015. Pada penelitian ini menggunakan pengujian asumsi klasik dengan uji normalitas, multikolinieritas, heteroskedastisitas dan autokolerasi. Namun, ditemukan gejala mutikolinieritas sehingga perlu adanya penanganan dengan mengurangi 1 variabel bebas yaitu Loan to Deposit Ratio, kemudian dilakukan penelitian kembali dengan 6 variabel bebas menggunakan pengujian asumsi klasik dan analisis regresi linier berganda sebagai alat uji hipotesis. Dari hasil penelitian antara lain : (1) Dana Pihak Ketiga berpengaruh positif terhadap Penyaluran Kredit, (2) Capital Adequacy Ratio tidak berpengaruh terhadap Penyaluran Kredit, (3) Return On Assets tidak berpengaruh terhadap Penyaluran Kredit, (4) Non Performing Loan berpengaruh negatif terhadap Penyaluran Kredit, (5) Suku Bunga Kredit berpengaruh negatif terhadap Penyaluran Kredit, (6) Biaya Operasional terhadap Beban Operasional berpengaruh negatif terhadap Penyaluran Kredit. |
| Abtrak (Bhs. Inggris) | This research is an empirical research conducted at the banking company of PD BPR BKK Kebumen on period 2012-2015. The purpose of this research was to analyze the influence of Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Non Performing Loan (NPL), Interest Rate of Credit, and Operating Expenses to Operating Income Ratio (BOPO) at PD BPR BKK Kebumen in 2012-2015. This research used classical assumption testing to test for normality, multicollinearity, heteroscedasticity and autocorrelation. However, it was found multicollinearity symptoms so that it needs handling by reducing one independent variable, namely Loan to Deposit Ratio. Then, it was conducted re-research with six independent variables with using the classical assumption test and multiple linear regression analysis as a means of testing the hypothesis. The results of this research are: (1) Third Party Fund had a positive influence on Credit Distribution, (2) Capital Adequacy Ratio had no influence on Credit Distribution, (3) Return on Assets had no influence on Credit Distribution, (4) Non Performing Loan had negative influence on Credit Distribution, (5) Interest Rate of Credit had negative influence on Credit Distribution, (6) Operating Expenses to Operating Income Ratio had negative influence of Credit Distribution. |
| Kata kunci | Penyaluran Kredit, Dana Pihak Ketiga, Capital Adequacy Ratio, Loan to Deposit Ratio, Return On Assets, Non Performing Loan, Suku Bunga Kredit, Beban Operasional terhadap Pendapatan Operasional. |
| Pembimbing 1 | Dr. Riswan, M.M., Ak |
| Pembimbing 2 | Drs. Tohir, M.M. |
| Pembimbing 3 | |
| Tahun | 2016 |
| Jumlah Halaman | 13 |
| Tgl. Entri | 2016-04-26 14:29:14.009282 |