ANALISIS PENGARUH CAR, NPL, ROA, DAN LDR TERHADAP PENYALURAN KREDIT UMKM PADA KELOMPOK BANK DI INDONESIA TAHUN 2012-2016

Abstract

This research was conducted because ofbank in indonesia was not optimum to lend the fund of credit to SMEs. The Government set a minimum bank lending at 15%, but some of bank can’t fill the regulation. So, this research conducted to know about the influence of CAR, NPL, ROA and LDR to the credit distribution in the groups of bank in Indonesia. Sample selected in this research by purposive sampling. This research using 5 groups of bank in indonesia, that is State Owned Bank, Foreign Exchange Commercial Bank, Regional Developmen Bank, Rural Bank, and Foreign Owned Bank in period 2012 until 2016. Data analysis in this research using data panel regression analysis with Fixed Effect Model. Regression model tested with classical assumption test, and regression analysis model selected through chow test and hausman test. The result of this research show that CAR, ROA, and LDR ratio has significant positive effect to SME credit. While, NPL ratio has significant negative effect to SME credit. And, result of determination coefficient tested of R square is 0,646548 or 64,6%.