ANALISIS PENGARUH PERTUMBUHAN DPK, CAR, ROA, DAN NPL TERHADAP PERTUMBUHAN KREDIT DENGAN VARIABEL KONTROL SIZE (Studi Empiris pada Bank Umum Go Public Yang Terdaftar di Bursa Efek Indonesia Tahun 2013-2017)

Abstract

This research is motivated by the phenomenon of credit growth that has declined from year to year. Therefore it is necessary to test the factors that influence the bank lending policy, which includes the growth of deposits, CAR, ROA, and NPL with the control variable Size. This study uses Commercial Banks listed on the IDX as the object of research, with a research period from 2013-2017. The analysis technique used is multiple linear regression, while hypothesis testing uses the - t test to test the effect of variables partially and the - F test to test the effect of variables simultaneously with a significance level of 5%. Based on the research, the results show that the growth of Third Party Funds (TPF), and Return on Assets (ROA) have a positive and significant effect on the growth of bank credit. while the Capital Adequacy Ratio (CAR) and Non Performing Loans (NPL) have a negative and significant effect on the growth of bank credit. To increase credit growth Commercial Banks must conduct fund raising optimally, manage their credit well so as to increase their ROA value, and have good credit management so that NPLs remain at a low level and within the limits required by the Otoritas Jasa Keuangan.