ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENAWARAN KREDIT PADA PERBANKAN KONVENSIONAL
(STUDI EMPIRIS PADA PERUSAHAAN PERBANKAN KONVENSIONAL BUKU 3 DAN 4 YANG TERDAFTAR DI BEI PADA PERIODE TAHUN 2017-2021)
Kata Kunci:
Dana Pihak Ketiga, Non Performing Loan, Capital Adequacy Ratio, Loan to Deposit Ratio dan Penawaran KreditAbstrak
Abstrak − Penelitian ini bertujuan untuk analisis faktor-faktor yang mempengaruhi penawaran kredit pada perbankan konvensional. Penelitian ini dilakukan pada perusahaan perbankan konvensional buku 3 dan 4 yang terdaftar di BEI periode tahun 2017-2021 penentuan sampel ini dengan menggunakan metode purposive sampling, yaitu suatu teknik pengambilan sampel dengan kriteria. Jumlah populasi dan sampel sebanyak 13 perusahaan perbankan, namun terdapat data outlier sehingga data yang di uji sebanyak 9 perusahaan perbankan, sehingga didapat 45 unit sampel penelitian ini. Jenis data yang digunakan adalah data sekunder. Hasil dari penelitian sebagai berikut: dana pihak ketiga berpengaruh signifikan terhadap penawaran kredit, Non Performing Loan tidak berpengaruh signifikan terhadap penawaran kredit, Capital Adequacy Ratio tidak berpengaruh signifikan terhadap penawaran kredit, Loan to Deposit Ratio berpengaruh signifikan terhadap penawaran kredit. Dana pihak ketiga, Non Performing Loan, Capital Adequacy Ratio dan Loan to Deposit Ratio berpengaruh secara simultan terhadap penawaran kredit.
Abstract − This study aims to analyze the factors that influence the supply of credit in conventional banking. This research was conducted at conventional banking companies books 3 and 4 listed on the IDX for the 2017-2021 period. The determination of this sample used the purposive sampling method, which is a sampling technique with criteria. The total population and samples were 13 banking companies, but there were outlier data so that the data tested were 9 banking companies, so that 45 sample units were obtained in this study. The type of data used is secondary data. The results of the study are as follows: third party funds have a significant effect on credit offers, Non-Performing Loans have no significant effect on credit offers, Capital Adequacy Ratio has no significant effect on credit offers, Loan to Deposit Ratio has a significant effect on credit offers. Third party funds, Non Performing Loans, Capital Adequacy Ratio and Loan to Deposit Ratio have a simultaneous effect on credit supply.
