PENGARUH NET INTEREST MARGIN, NON PERFORMING LOAN, CAPITAL ADEQUACY RATIO, DANA PIHAK KETIGA DAN JUMLAH PENEMPATAN DANA PADA SBI TERHADAP PENYALURAN KREDIT (Studi Kasus pada Bank Umum yang Terdaftar di BEI Periode 2008-2012)

Abstract

This research aims to examine the effect of the variables Net Interest Margin (NIM), Non Performing Loan (NPL), Placement of funds in Sertifikat Bank Indonesia (SBI), Third Party Fund (DPK) and Capital Adequacy Ratio (CAR) to credit distribution in Commercial Banks. This research used data from the annual published financial report of each Commercial Banks. The population in this research is all of Commercial Banks that listed on BEI periode of 2008 to 2012 as much 31 Commercial Banks. After passed purposive sampling phase, the number of valid sample is 18 Commercial Banks. The method of data analysis used in this research is multiple linear regression. Hypothesis test used T-test to examine the effect of variables partially, and F-test to examine the effect of variables simultaneously with a significance level of 5%. The results show that Non Performing Loan (NPL) influences negatively and significant to credit dirtribution. Third Party Fund (DPK) influences positively and significant to credit dirtribution. Capital Adequacy Ratio (CAR) influences negatively and significant to credit distribution. Net Interest Margin (NIM) and Placement of funds in Sertifikat Bank Indonesia (SBI) doesn’t has an influence on credit distribution. In additional, the results of regression estimation show a predictive ability of the five independent variables to credit distribution is 94,1%, while the remaining 5,9% is influenced by other factors outside the model that not be entered in research model