ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT PERBANKAN (Studi pada Bank Umum Swasta Nasional Devisa Tahun 2007-2011)

Abstract

This research aims to analyze the factors which influence loan distribution, where the independent variables were composed of Capital Adequacy Ratio (CAR), Return on Assets (ROA), Non-Performing Loan (NPL) and the dependent variable is the Loan to deposit ratio (LDR). Research population used the foreign exchange commercial banks period 2007-2011.Purposive sampling method were used as samples determining method and 18 banks selected as the sample of the research. Analysis technique used is multiple regression analysis with least squares equation, statistical t-test and performed a classic assumption test that includes a test of normlitas test, multicollinearity test, autocorrelation test, heteroskedastisitas test. Based on normality test, heteroskedastisitas test, multicollinearity test and autocorrelation test, classical assumptions deviation has not founded. This indicate that the available data has fulfill the condition multi linear regression model. Research results show that partially (X1) capital adequacy ratio not significantly influential to the LDR and positive direction; (X2) return on assets has no effect in a significant way and positive direction to the LDR; (X3) non performing loan effect significantly positive direction to the LDR. The ability of the three independent variables were able to explain variation in dependent variable to 9,1%.