The Effect of Third-Party Funds, Capital Adequacy Ratio, Casa Ratio, Bi Rate, And Inflation Towards The Distribution of Credit Banking in Indonesia (original) (raw)
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This research aims to examine the effect of Third Party Funds (TPF), Interest Rates (IR), Bank Capital, and Non-Performing Loan (NPL) towards Credit Distribution on commercial banks in Indonesia with period 2012-2018. This research using 84 monthly data of commercial banks in Indonesia period 2012-2018. This research uses the Error Correction Model (ECM) analysis and E-views 10 analysis tools. The result of the research shows that in the long term, Third Party Funds, Interest Rates, Bank Capital, and Non-Performing Loan affects Credit Distribution. In the short term, Third Party Funds and Non-Performing Loan affect Credit Distribution. Meanwhile, Bank Capital and Interest Rates have no effect on Credit Distribution on commercial banks in Indonesia. Simultaneously on the long term and short term all variables (Third Party Funds, Interest Rates, Bank Capital, and Non-Performing Loan) have an effect on Credit Distribution on conventional commercial banks in Indonesia period 2012-2018.
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This research aims to determine the effect of non-performing loans, capital adequacy ratios and third party funds on loan credit distribution. The objects of the research are non-performing loans, capital adequacy ratios, third party funds, and credit distribution. The subjects of the research are the financial Services sub-sector companies (banks) that are listedin the Indonesia Stock Exchange (BEI) inthe periods of 2015-2017. The research uses secondary data with quantitative verification method. The samples of the research are 7 companies (111 observations). The hypothesis Tests are carried out by the method of multiple linear regression analysis. The results shows that simultaneously and partially, non-performing loans , capital adequacy ratios , and thirdparty funds have effects on credit distribution. Banking companies can reduce nonperforming loans, also maintain or increase capital they own so that the operational activities in credit distribution can be optimally carried out. Further research is recommended to use more populations as well as longer periods in order to provide better results.
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