Amalia, Maike Veronica and Prof. Khusnul Ashar, (2022) Pengaruh Rasio Kesehatan Bank Terhadap Penyaluran Kredit Modal Kerja Pada Usaha Kecil, Mikro Dan Menengah (Umkm) Di Masa Pandemi Covid-19. Sarjana thesis, Universitas Brawijaya.
Abstract
Perbankan sebagai lembaga intermediasi yang bertugas untuk menghimpun dana dari masyarakat dan menyalurkan kembali kepada masyarakat dalam bentuk kredit. Dalam menyalurkan kreditnya, terdapat factor internal bank seperti kesehatan bank yang harus diperhatikan yaitu dapat dilihat dari beberapa rasionya seperti, CAR, LDR, NPM, BOPO, ROA, dan NPL. Penelitian ini bertujuan untuk menguji pengaruh rasio – rasio kesehatan perbankan terhadap penyaluran kredit modal kerja pada UMKM di masa pandemic Covid-19. Obyek penelitian ini adalah perbankan yang masuk dalam daftar BUKU periode 2019-2021. Sampel penelitian yang digunakan sejumlah 15 Perusahaan Perbankan. Jenis penelitian ini adalah penelitian eksplanatori dengan metode penelitian kuantitatif. Berdasarkan hasil penelitian menunjukkan bahwa selama periode penelitian secara parsial variabel CAR, LDR berpengaruh positif signifikan dan NPL berpengaruh negatif signifikan terhadap penyaluran kredit modal kerja UMKM. Sedangkan secara simultan, seluruh variabel berpengaruh signifikan terhadap penyaluran kredit modal kerja UMKM dengan besaran pengaruh sebesar 0.994106 atau 99.41%. Beberapa rasio perbankan masih dalam keadaan yang stabil meskipun perekonomian sedang melemah akibat pandemi, hal tersebut merupakan langkah strategis pemerintah dan perbankan salah satunya untuk menjaga kualitas penyaluran kredit
English Abstract
Banking as an intermediary institution whose task is to collect funds from the community and channel it back to the community in the form of credit. In distributing credit, there are internal bank factors such as bank health that must be considered, which can be seen from several ratios such as CAR, LDR, NPM, BOPO, ROA, and NPL. This study aims to examine the effect of banking health ratios on the distribution of working capital loans to MSMEs during the Covid-19 pandemic. The object of this research is banking which is included in the list of BUKU for the period 2019-2021. The research sample used was 15 banking companies. This type of research is explanatory research with quantitative research methods. Based on the results of the study, it was shown that during the study period the CAR variable, LDR had a significant positive effect and NPL had a significant negative effect on the distribution of working capital loans to MSMEs. Meanwhile, simultaneously, all variables have a significant effect on the distribution of working capital loans to MSMEs with a magnitude of effect of 0.994106 or 99.41%. Some banking ratios are still in a stable condition even though the economy is weakening due to the pandemic, this is a strategic step for the government and banks, one of which is to maintain the quality of lending.
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0522020253 |
| Uncontrolled Keywords: | CAR; LDR; NPM; BOPO; ROA; NPL; Penyaluran Kredit; Covid-19,CAR; LDR; NPM; BOPO; ROA; NPL; Loan Distribution; Covid-19 |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Nur Cholis |
| Date Deposited: | 02 Feb 2023 07:12 |
| Last Modified: | 02 Feb 2023 07:12 |
| URI: | http://repository.ub.ac.id/id/eprint/197260 |
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Text (DALAM MASA EMBARGO)
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