Analisis Pengaruh Dana Pihak Ketiga, Non Performing Loan, Dan Suku Bunga Pinjaman Terhadap Penyaluran Kredit Modal Kerja, Investasi, Dan Konsumsi Bank Pembangunan Daerah (Periode 2003-2013)

Binangkit, Yogi Lingga (2014) Analisis Pengaruh Dana Pihak Ketiga, Non Performing Loan, Dan Suku Bunga Pinjaman Terhadap Penyaluran Kredit Modal Kerja, Investasi, Dan Konsumsi Bank Pembangunan Daerah (Periode 2003-2013). Sarjana thesis, Universitas Brawijaya.

Abstract

Penasihat: Penelitian ini bertujuan untuk mengetahui pengaruh dana pihak ketiga (DPK), kredit macet (NPL), dan suku bunga pinjaman (SB) tentang pinjaman modal kerja, investasi, dan konsumsi di Bank Pembangunan Daerah di seluruh Indonesia di Indonesia periode 2003-2013. Penelitian ini adalah data deskriptif dan kuantitatif yang digunakan adalah data sekunder dan triwulanan. Metode analisis regresi linier berganda menggunakan OLS. Hasil penelitian menunjukkan bahwa DPK simultan, NPL, dan SB memiliki pengaruh yang signifikan terhadap variabel pinjaman modal kerja, investasi, dan konsumsi. Dalam pinjaman modal kerja Parisal dipengaruhi secara signifikan oleh DPK (+), NPL (+) dan suku bunga (-), kredit investasi secara signifikan dipengaruhi oleh DPK (+) dan suku bunga (-), dan kredit konsumen secara signifikan dipengaruhi oleh DPK (+ ), NPL (-), dan tingkat bunga (+). Secara umum, endapan variabel adalah pengaruh paling dominan pada kredit. Koefisien tarif determinasi () untuk variabel yang mempengaruhi pinjaman modal kerja sebesar 97,1%, yang berarti variabel gratis dalam model ini mampu menjelaskan pinjaman modal kerja variabel pada 97,1%, sisanya 2,9% dijelaskan oleh variabel di luar model ini. Serta tingkat kredit investasi adalah 93,7%, sisanya 6,3% dijelaskan oleh variabel di luar model, pinjaman konsumen memiliki jumlah 97,7%, dan sisanya 2,3% dijelaskan oleh variabel di luar model.

English Abstract

Advisor : This study aims to determine the effect of third-party funds (DPK), non-performing loan (NPL), and interest rates on loans (SB) on working capital loans, investment, and consumption in the Regional Development Banks throughout Indonesia in the period 2003-2013. This research is descriptive and quantitative data used are secondary data and quarterly. Method of multiple linear regression analysis using OLS. Research results showed that simultaneous DPK, NPL, and SB has a significant effect on the variable working capital loans, investment, and consumption. In parisal working capital loans significantly affected by DPK (+), NPL (+) and interest rates (-), the investment credit significantly affected by DPK (+) and interest rates (-), and consumer credit significantly influenced by DPK (+) , NPL (-), and the interest rate (+). In general, variable deposits are the most dominant influence on credit. The rate coefficient of determination ( ) for the variables that affect working capital loans amounted to 97.1%, which means the free variables in the model is able to explain the variable working capital loans at 97.1%, the remaining 2.9% is explained by variables outside the model this. as well as the level of investment credit of is 93.7% , the remaining 6.3% explained by variables outside the model, consumer loan has in the amount of 97.7%, and the remaining 2.3% explained by variables outside the model.

Item Type: Thesis (Sarjana)
Identification Number: SKR/FE/2014/427/051407513
Subjects: 300 Social sciences > 330 Economics
Divisions: Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi
Depositing User: Hasbi
Date Deposited: 10 Nov 2014 08:34
Last Modified: 29 Nov 2021 02:08
URI: http://repository.ub.ac.id/id/eprint/107458
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