Open AccessANALISIS PENYALURAN KREDIT PADA BANK UMUM BUMN TAHUN 2011-2020
Author(s) -
Elis Putri Kambalu,
Dwi Susilowati
Publication year - 2021
Publication title -
journal of financial economics and investment
Language(s) - English
Resource type - Journals
ISSN - 2808-9413
DOI - 10.22219/jofei.v1i3.19181
Subject(s) - net interest margin , margin (machine learning) , distribution (mathematics) , regression analysis , econometrics , panel data , value (mathematics) , linear regression , statistics , business , actuarial science , economics , capital adequacy ratio , mathematics , microeconomics , computer science , profit (economics) , mathematical analysis , machine learning
Credit distribution activities have a very important role for the economy, namely to support development and to improve the welfare of the community, while for banks the main source of income comes from lending activities. The purpose of this thesis research is to determine the Effect of Third Party Funds, Net Interest Margin and Capital Adequacy Ratio on Credit Distribution at State-Owned Commercial Banks in 2011-2020. The data analysis technique used is Multiple Regression Analysis using panel data. The results obtained by the researchers are Simultaneously TPF, NIM, and CAR have an effect on Credit Distribution with significant results. while partially Third Party Funds (TPF) have a positive and significant effect on Credit Distribution. This is indicated by the regression coefficient value of 0.9872 and the probability value of 0.0000. Net Interest Margin (NIM) has a positive and insignificant effect on Credit Distribution. This is indicated by the regression coefficient value of 0.0043 and the probability value of 0.5706. And the Capital Adequacy Ratio (CAR) has a positive and insignificant effect on Credit Distribution. This is indicated by the regression coefficient value of 0.0055 and the probability value of 0.1214.