Fadhila, Ridha (2022) Pengaruh Non Performing Loan (NPL), Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR) dan Capital Adequacy Ratio (CAR) Terhadap Pertumbuhan Kredit (Studi Kasus : Perbankan Dan Perusahaan Multifinance di Indonesia). Other thesis, Institut Teknologi Sepuluh Nopember.
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Abstract
Lembaga Jasa Keuangan (LJK) memiliki peran besar dalam perekonomian, hal ini tidak terlepas dari fungsinya sebagai lembaga intermediasi dalam kegiatan kredit. Lembaga Jasa Keuangan (LJK) memiliki tugas menghimpun dana dan menyalurkan kembali dalam bentuk kredit. Untuk melihat tingkat pertumbuhan kredit, dapat dipengaruhi oleh variabel kinerja Lembaga Jasa Keuangan (LJK), seperti Non Performing Loan (NPL), Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR) dan Capital Adequacy Ratio (CAR). Penelitian ini menguji pengaruh Non Performing Loan (NPL), Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR) dan Capital Adequacy Ratio (CAR) terhadap pertumbuhan kredit yang disalurkan oleh perbankan dan perusahaan multifinance di Indonesia. Tujuan penelitian ini adalah untuk mengetahui bagaimana pengaruh Non Performing Loan (NPL), Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR) dan Capital Adequacy Ratio (CAR) terhadap pertumbuhan kredit yang disalurkan oleh perbankan dan perusahaan multifinance serta melihat bagaimana perbedaan antara lembaga perbankan dan multifinance dalam menyalurkan kredit. Kajian ini menggunakan pendekatan kuantitatif dan menguji hipotesa melalui analisis regresi data panel. Data yang digunakan sebagai acuan analisis merupakan data sekunder dari laporan tahunan bank dan multifinance pada periode 2016-2020. Dengan dilakukannya pengukuran rasio Non Performing Loan (NPL), Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR) dan Capital Adequacy Ratio (CAR) pada perbankan dan multifinance terhadap pertumbuhan kredit, hasilnya menunjukkan bahwa variabel Capital Adequacy Ratio (CAR) berpengaruh positif terhadap pertumbuhan kredit yang disalurkan oleh multifinance.
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Financial Services Institutions (LJK) have a large role in the economy, this is inseparable from its function as an intermediation institution in credit activities. Financial Services Institutions (LJK) have the task of raising funds and disbursing back in the form of credit. To see the credit growth rate, it can be influenced by the performance variables of Financial Services Institutions (LJK), such as Non-Performing Loans (NPLs), Third Party Funds (DPK), Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR). This study examines the effect of Non-Performing Loans (NPLs), Third Party Funds (DPK), Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) on the growth of loans disbursed by banks and multifinance companies in Indonesia. The purpose of this study is to find out how the effect of Non-Performing Loans (NPLs), Third Party Funds (DPK), Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) on the growth of loans disbursed by banks and multifinance companies and see how the difference between banking institutions and multifinance companies in disbursing credit. This study used a quantitative approach and tested the hypothesis through panel data regression analysis. The data used as a reference for analysis is secondary data from the annual reports of banks and multifinance companies in the 2016- 2020 period. By measuring the ratio of Non-Performing Loans (NPL), Third Party Funds (DPK), Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) in banks and multifinance to credit growth, the results show that the variable Capital Adequacy Ratio (CAR) has a positive effect on the growth of loans disbursed by multifinance companies.
| Item Type: | Thesis (Other) |
|---|---|
| Additional Information: | RSMB 332.7 Fad p-1 2022 |
| Uncontrolled Keywords: | Bank, Multifinance, Pertumbuhan Kredit, Non Performing Loan (NPL), Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR) |
| Subjects: | H Social Sciences > HG Finance > HG3751 Credit--Management. |
| Divisions: | Faculty of Creative Design and Digital Business (CREABIZ) > Business Management > 61205-(S1) Undergraduate Thesis |
| Depositing User: | - Davi Wah |
| Date Deposited: | 04 Dec 2023 04:30 |
| Last Modified: | 04 Dec 2023 04:30 |
| URI: | http://repository.its.ac.id/id/eprint/105242 |
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