Open AccessPengaruh Capital Adequacy Ratio, Non Performing Loan dan Return On Asset Terhadap Penyaluran Kredit
Author(s) -
Dewanti Safitri,
Asep Muslihat
Publication year - 2021
Publication title -
costing
Language(s) - English
Resource type - Journals
eISSN - 2597-5234
pISSN - 2597-5226
DOI - 10.31539/costing.v4i2.1581
Subject(s) - return on assets , capital adequacy ratio , non performing loan , loan , return on capital employed , weighted average return on assets , descriptive statistics , actuarial science , business , capital (architecture) , risk adjusted return on capital , econometrics , economics , statistics , finance , mathematics , financial capital , capital formation , human capital , profit (economics) , archaeology , profitability index , history , microeconomics , economic growth
This study aims to determine whether there is an influence of capital adequacy ratio, non-performing loans, return on assets, lending. The effect of capital adequacy ratio financing on lending, the effect of non-performing loans on lending and the effect of return on assets on lending, and capital adequacy ratios, non-performing loans and return on assets on lending. 44 samples were taken from 2016 to 2019 with data on monthly capital adequacy ratios, non-performing loans, return on assets, and lending. The statistical methods taken in this research are multiple analysis, classic assumption test, descriptive statistical analysis, determination analysis and hypothesis testing using SPSS 25 analytical tools.In this research, we know the effect of capital adequacy ratio, non-performing loans, and return on assets in partial or joint lending. This method is a descriptive verification method with a quantitative approach to the source of annual financial statements at commercial banks. Purposive sampling technique. The data obtained were analyzed by testing the validity of the data, multiple linear regresis analysis and hypothesis testing using the f test and t test.The results of this study show that the partial capital adequacy ratio has a negative effect on lending, non-performing loans on lending have a positive effect and the return on assets on lending has a positive effect. Whereas jointly the credit distribution is very influential.
Keywords: Capital Adequacy Ratio, Nonperforming Loans, Return On Assets, Lending