Yudhistira, Aditya Willian and Reika Happy Sugiastuti, SAB., MAB, (2023) Analisis Pengaruh Inflasi, Suku Bunga BI-7DRR, Dana Pihak Ketiga (DPK) dan Non Performing Loan (NPL) Terhadap Penyaluran Kredit (Studi pada Bank Umum KBMI 3 dan 4 yang Terdaftar di BEI Periode 2019-2022). Sarjana thesis, Universitas Brawijaya.
Abstract
Tujuan dari penelitian ini adalah untuk mengetahui dan menjelaskan pengaruh Inflasi, Suku Bunga BI-7DRR, Dana Pihak Ketiga (DPK) dan Non Performing Loan (NPL) baik secara simultan maupun parsial terhadap Penyaluran Kredit bank umum di Indonesia pada periode 2019-2022. Jenis penelitian yang digunakan pada penelitian ini adalah explanatory research dengan pendekatan kuantitatif. Variabel independen dalam penelitian ini adalah Inflasi, Suku Bunga BI-7DRR, Dana Pihak Ketiga (DPK) dan Non Performing Loan (NPL) serta variabel dependen yang digunakan dalam penelitian ini adalah Penyaluran Kredit. Populasi dalam penelitian ini adalah perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI) pada periode 2019-2022 dan masuk kedalam KBMI 3 dan 4 sesuai dengan POJK No 12/POJK.03/2021, dengan metode Sampel total (sensus) peneliti mendapatkan 13 sampel perusahaan perbankan. Teknik analisis data dalam penelitian ini adalah teknik analisis regresi linear berganda dengan menggunakan bantuan software Statistical Package for Social Sciences (SPSS) versi 26. Hasil penelitian menunjukkan bahwa berdasarkan hasil uji F (simultan) variabel Inflasi, Suku Bunga BI-7DRR, Dana Pihak Ketiga (DPK) dan Non Performing Loan (NPL) berpengaruh secara simultan dan signifikan terhadap variabel dependen yaitu Penyaluran Kredit (Y). Berdasarkan uji t (Parsial) Variabel Inflasi secara parsial berpengaruh negatif dan signifikan terhadap Penyaluran Kredit, variabel Suku Bunga BI-7DRR secara parsial berpengaruh positif dan signifikan terhadap Penyaluran Kredit, variabel Dana Pihak Ketiga (DPK) secara parsial berpengaruh positif dan signifikan terhadap Penyaluran Kredit, variabel Non Performing Loan (NPL) secara parsial berpengaruh negatif dan tidak signifikan terhadap Penyaluran Kredit.
English Abstract
This purpose of this research is to know and explain the influence between Inflation, BI-7DRR Interest Rates, Third Party Funds (DPK) and Non-Performing Loans (NPL) both simultaneously and partially on Credit Distribution to commercial banks in Indonesia in the 2019-2022 period. The type of research used in this research is explanatory research with a quantitative approach. The independent variables in this study are Inflation, BI-7DRR Interest Rates, Third Party Funds (DPK) and Non Performing Loans (NPL) and the dependent variable used in this study is Credit Distribution. The population in this study are banking companies listed on the Indonesia Stock Exchange (IDX) in the 2019-2022 period and are included in KBMI 3 and 4 in accordance with POJK No 12/POJK.03/2021, with the total sample method (census) the researcher obtained 13 sample of banking companies. The data analysis technique used in this research is multiple linear regression analysis technique using software Statistical Package for Social Sciences (SPSS) version 26. The results of this research show that based on the results of the F test (simultaneous) the variable Inflation, BI-7DRR Interest Rate, Third Party Funds (DPK) and Non Performing Loans (NPL) have a simultaneous and significant effect on the dependent variable, namely Credit Distribution (Y). Based on the t test (Partial) Inflation variable partially has a negative and significant effect on Credit Distribution, the BI-7DRR Interest Rate variable partially has a positive and significant effect on Credit Distribution, Third Party Funds (DPK) variable partially has a positive and significant effect on Credit Distribution , the variable Non Performing Loan (NPL) partially has a negative and no significant effect on Credit Distribution.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 0523030283 |
| Uncontrolled Keywords: | Inflation, BI-7DRR Interest Rate, Third Party Funds (DPK), Non Performing (NPL), Credit Distribution, Banking |
| Subjects: | 600 Technology (Applied sciences) > 658 General management |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | Endang Susworini |
| Date Deposited: | 20 Dec 2023 02:46 |
| Last Modified: | 20 Dec 2023 02:46 |
| URI: | http://repository.ub.ac.id/id/eprint/205524 |
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