Fahlevi, Rizal Pasca Ramadhian and Moh. Athoillah., S.E., M.E (2023) Analisis Determinan Penyaluran Kredit Modal Kerja (Studi Pada Bank Umum Go-Public di Indonesia Periode 2017 – 2022). Sarjana thesis, Universitas Brawijaya.
Abstract
Kebutuhan permodalan akan perkembangan industri dan usaha masyarakat harus ditunjang dengan penyaluran kredit perbankan modal kerja yang optimal. Penelitian ini dilatarbelakangi karena pentingnya kredit modal kerja dilihat dari sisi kinerja perbankan yang belum optimal dalam menyalurkan kredit modal kerja. Sehingga meneliti dari faktor internal dan eksternal perbankan yaitu Return On Assets, Capital Adequacy Ratio, Non-Performing Loan, Dana Pihak Ketiga dan Suku Bunga Kredit Modal Kerja. Penelitian ini menggunakan sampel bank umum yang go public pada periode 2017 – 2022 dengan sebanyak 10 bank. Jenis penelitian ini adalah penelitian kuantitatif. Metode analisis yang digunakan analisis regresi panel data, di mana dalam analisis ini menggunakan variabel bebas ROA, CAR, NPL, DPK, dan Suku Bunga Kredit Modal Kerja. Variabel terikat adalah penyaluran jumlah kredit modal kerja yang disalurkan oleh bank. Hasil penelitian ini adalah CAR, NPL dan Suku Bunga Kredit Modal Kerja berpengaruh negatif terhadap penyaluran kredt perbankan modal kerja. Sedangkan, ROA dan DPK tidak berpengaruh terhadap penyaluran kredt perbankan modal kerja.
English Abstract
The need for capital for the development of industry and community businesses must be supported by optimal working capital bank lending. This research is motivated by the importance of working capital loans in terms of banking performance which has not been optimal in distributing working capital loans. So that examines the internal and external factors of banking, namely Return On Assets, Capital Adequacy Ratio, Non-Performing Loans, Third Party Funds and Interest Rates for Working Capital Loans. This study used a sample of commercial banks that went public in the 2017-2022 period with 10 banks. This type of research is quantitative research. The analytical method used is panel data regression analysis, which in this analysis uses the independent variables ROA, CAR, NPL, DPK, and interest rates for working capital loans. The dependent variable is the distribution of working capital loans disbursed by banks. The results of this study are that CAR, NPL and Interest Rates for Working Capital Loans have a negative effect on the distribution of working capital banking credit. Meanwhile, ROA and DPK have no effect on the distribution of working capital banking credit.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0523020505 |
| Uncontrolled Keywords: | Kredit Modal Kerja, Faktor internal dan eksternal penyaluran kredit mdoal kerja. |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username nova |
| Date Deposited: | 15 Jan 2024 02:51 |
| Last Modified: | 15 Jan 2024 02:51 |
| URI: | http://repository.ub.ac.id/id/eprint/205944 |
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Text (DALAM MASA EMBARGO)
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