PENGARUH SUKU BUNGA BANK INDONESIA, DANA PIHAK KETIGA (DPK), DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP PENYALURAN KREDIT PERBANKAN PADA BANK UMUM DI INDONESIA PERIODE 2005-2013

SRIWIJAYANTI, ADE WAHYUNING and Susetyo, Didik and Imelda, Imelda (2014) PENGARUH SUKU BUNGA BANK INDONESIA, DANA PIHAK KETIGA (DPK), DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP PENYALURAN KREDIT PERBANKAN PADA BANK UMUM DI INDONESIA PERIODE 2005-2013. Undergraduate thesis, Sriwijaya University.

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Abstract

Bank is the financial institution possessing function as the fmancial intermediary. Bank accepts the money savings from the society and then redistributes them upon the credit. The credit distribution creates opportunity to complete investment, distribution, and also the consumption of good and Service, considering that the entire activities are related to the money usage. The research background is the existence of phenomenon of the non-optimized banking credit distribution. It is shown with loan to deposit ratio (LDR) that is still upon the expectation of Bank Indonesia. Thus, it needs to have testing of factors that influence the policy of banking credit distribution, including the Interest Rate of Bank Indonesia, Third Party Fund (DPK), and Capital Adequacy Ratio (CAR). This research use Commercial Bank in the complete term as one research object, upon the research period of year 2005-2013 (monthly). The analysis technique is doubled linier regression, whereas the hypothesis test uses t-test to examine the variable influence jointly upon the significance level of 5%. Based upon the research, there is a result that the Third Party Fund (DPK), and Capital Adequacy Ratio (CAR) influences positively and significantly toward the banking credit distribution. While the Interest Rate of Bank Indonesia influences negatively and significantly toward the banking credit distribution. In order to increase the credit distribution of Commercial Bank needs to have optimal funding activity, optimize the usage of the Capital possessed.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	The banking credit distribution, Interest Rate Of Bank Indonesian, Third Party Fund (DPK), and Capital Adequacy Ratio (CAR).
Subjects:	H Social Sciences > HG Finance > HG1621-1638 Interest rates. Interest tables
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	Mr. Muhammad Irwan
Date Deposited:	29 Jul 2021 01:28
Last Modified:	29 Jul 2021 01:28
URI:	http://repository.unsri.ac.id/id/eprint/50535

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