PENGARUH PERTUMBUHAN DANA PIHAK KETIGA (DPK), CAR , ROA dan TINGKAT SUKU BUNGA SBI TERHADAP PERTUMBUHAN KREDIT (Studi Pada Bank Milik Pemerintah Tahun 2004-2009)

Abstract

Collecting and lending fund through credit for people, due to increase public wealth, are the function of bank as an intermediary finance. Lending Credit is an alternative funding to overcome public needs on working capital to run business and to invest. Credit lending in year 2009 was in frustrated condition, it is caused by an economic deregulation and global financial crisis. In the financial report of bank indonesia, Credit Growth of national banking in 2009 were decreasing, it is lower 20,41% than 2008 credit growth. By this phenomenon need further study about factors that effecting credit growth, those are Third-party-funds growth, Capital Adequacy Ratio, Return on Asset, and interest of SBI. The subjects on this research are the government banks during 2004-2009. From 5 banks population, 3 of them was chosen as a sample through Purposive sampling method. Data ini this research are monthly data for six years long during 2004-2009. The analytical method used was multiple regression, and classical assumption which are normality test, multicolinearity test, heteroscedasticity test, and autocorrelation test. The result of this research simultantly using F test, shows that Third-party funds growth, CAR, ROA, and interest of SBI influence significantly towards credit growth. Partially variables like Third-party-funds Growth, ROA influence significantly and positive towards Credit Growth. Another result shows CAR influence positive insignificantly and SBI interest influence negative significantly towards Credit growth. The coefficient determinant (R2) is 0,417 which means 41,7% Credit Growth were explained by four independent variables, whereas 58,3% were explained by another variables which is not followed.