Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio Dan Non Performing Loan Terhadap Penyaluran Kredit

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh (1) dana pihak ketiga,capital adequacy ratio, dan non performing loanterhadap penyaluran kredit (2) dana pihak ketiga terhadap penyaluran kredit,(3) capital adequacy ratio terhadap penyaluran kredit, (4)non perfoming loan terhadap penyaluran kredit pada Bank Perkreditan Rakyat ( BPR) Di Kabupaten Klungkung.Rancanganpenelitian ini menggunakan penelitian kausal.Subjek penelitian adalah Bank Perkreditan Rakyat di Kabupaten Klungkung,dan objeknya adalah dana pihak ketiga (X1),capital adequacy ratio(X2), non perfoming loan(X3), dan jumlah kredit yang disalurkan (y).Jenis data adalah data kuantitatif.Data dikumpulkan dengan teknik pencatatandokumen, data dianalisis dengan menggunakan analisis regresi linear berganda.Hasil penelitian menunjukkan bahwa (1) ada pengaruh positif dan signifikan secara simultan dana pihak ketiga (X1), capital adequacy ratio (X2), dan non perfoming loan(X3) terhadap penyaluran kredit (y) sebesar 61,4 %,(2) ada pengaruhpositif signifikan secara parsial dari dana pihak ketiga (X1) terhadap penyaluran kredit (y) sebesar 45,1%,(3) ada pengaruh posifif dan signifikan secara parsial daricapital adequacy ratio(X2) terhadap penyaluran kredit (y)sebesar 68,3%,(4) ada pengaruh negatifsignifikan secara parsialdarinon performing loan(X3) penyaluran kredit (y) pada PT Bank Perkreditan Rakyat (BPR) sebesar -0,307 %.
Kata Kunci : Dana Pihak Ketiga, Capital Adequacy Ratio Dan Non Performing Loan, dan Penyaluran Kredit

This research aims to know the influence of (1) loan, capital adequacy ratio, and non performing loan toward credit lending,(2) loan toward credit lending,(3) capital adequacy ratio toward credit lending, (4) non performing loan toward credit lending, in BPR Klungkung regency. This research design use causal research. The subject of this research is PT Bank Perkreditan Rakyat in klungkung regency,and the object is loan, capital adequacy ratio, non performing loan, and credit lending.The type of the data is quantitative data. It was collected by using documentation technique.The data were analyzed using multiple linear regression analysis.The result of the research show that (1) there was positive significant influence of loan, capital adequacy ratio and non performing loan toward credit lending for about 61,4% (2) there was partially positive significant influence of loan toward credit lending for about 45,1% (3) there was partially positive significant influence from capital adequacy ratio toward credit lending for about 68,3% (4) there was partially negative significant influence from non perfoming loan toward credit lending in BPR for about -0,307 %.
keyword : loan, capital adequacy ratio, non performing loan and credit lending