PENGARUH FAKTOR INTERNAL BANK TERHADAP JUMLAH KREDIT YANG DISALURKAN (Studi empiris pada bank yang terdaftar di Bursa Efek Indonesia)

Abstract

Providing funds (lending) in theform o/'credit is an activity that dominates the banking business in its .function qs an intermediary institution. Performance of the banking industry-improved results with increasing intermediatiort role and has improved bank p,rofitabtlity. Thi.s inai aimed to examine the ffict of bank internalfactors (third partyfunds obtainedfrom the public, capitat adequacy ratio, return on assets an;d non-performing loans) to outstanding loans. The sampies in this study were the banlcs listed on the Indonesia Stock Exchange from 2006 to 2009. The dita will be a'nctlyzed hy ntultiple regyession. The analysis technique used to test the research hypotheses were the F test and t test with a signtficant level qf 5%. The results of this study indicati that the third-party fiinds have a positive ffict on lending, capital adequacy ratio has a negative ef/bct on lending, return on assets has a positive ffict on on lending. Non-performing io^ have a negative ffict on lending, From the analy^sis it can be concluded that the third-party .funds, adequecy capital ratio, return on assets and non-perfornting loan,s have an ffict simultaneously to outstanding Loans.