Pengaruh ROA, NPL, BOPO & SBI Terhadap Penyaluran Kredit Bank Pemerintah Dan Bank Asing

Rachi Titi Komalasari

Abstract


The research objective was to determine the effect Return on Assets (ROA) ratio, Operational Costs to Operating Income (BOPO), Non Performing Loans (NPL), and Sertificate Bank Of Indonesia (SBI) towards lending to Goverment Banks and Foreign Bank. The independent variable consists of ROA, BOPO, NPL and SBI while the dependent variable is credit distribution. The population in this study are 4 Goverment Banks and 9 Foreign Bank. The sampling method uses purposive sampling with a sample of 13 banks in accordance with certain criteria. Data analysis method uses linear multiple regression with calculations using the SPSS program. The results showed that ROA, BOPO, NPL and SBI had a negative and significant effect on credit distribution.

Keywords


ROA; BOPO; NPL; SBI; Kredit

References


Komariah, & Diansyah. (2019). Pengaruh Kinerja Keuangan Bank Terhadap Penyaluran Kredit Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia. Jurnal Transaksi Vol. 11, No. 1

Ida, A.A.R, & Ni Ketut, P. (2017). Faktor-Faktor yang Mempengaruh Kredit Bank Umum Swasta Nasional (BUSN) Devisa. e-Jurnal Manajemen Unud, Vol. 6, No. 11

Satria, B.H., & Endang, T.W. (2017). Analisis Pengaruh NIM, NPL, BOPO, BI Rate dan CAR Terhadap Penyaluran Kredit Pada Bank Umum Go Public Periode 2012-2016. DIPONEGORO JOURNAL OF MANAGEMENT, Volume 6, Nomor 4

Fadli, A. Y. Achmad. (2019). Pengaruh Return On Assets (ROA), Liquidity Funding Ratio (LDR), Non Performing Loan (NPL),Dan Capital Adequacy Ratio (CAR) Terhadap Penyaluran Kredit Pada Bank Umum Yang Terdaftar Di BEI Periode 2013-2017. Business Management Analysis Journal (BMAJ). Vol. 2 No. 2

Serli. 2016. Pengaruh DPK, LDR, NPL, CAR, ROA, BOPO, Suku Bunga Terhadap Penyaluran Kredit (Studi pada Industri Perbankan yang terdaftar di Bursa Efek Indonesia tahun 2010 – 2014). Skripsi :Jurusan Manajemen Fakultas Ekonomi Dan Bisnis Universitas Halu Oleo Kendari.

Amalia, Dian Nur. 2016. Analisis Faktor Faktor Yang Mempengaruhi Penyaluran Kredit Investasi Bank Umum. Skripsi : Departemen Ilmu Ekonomi Fakultas Ekonomi DanManajemen Institut Pertanian Bogor.

Siamat, D. (2005). Manajemen Lembaga Keuangan Edisi Kelima. Jakarta : Fakultas Ekonomi Universitas Indonesia

Syafi’I, Muchammad. 2015. “Analisis Faktor-Faktor yang mempengaruhi Loan To Deposit Ratio (Studi Pada 10 Bank Terbesar di Indonesia Periode 2014)”. Skripsi. Ilmu Ekonomi FEB Universitas Brawijaya. Malang.

Kasmir. 2014. Manajemen Perbankan. Kencana Prenada Media Group. Jakarta

Diansyah. 2016. Pengaruh Faktor Internal Dan Eksternal Terhadap Non Performing Loan Studi Pada Bank Yang Terdaftar Di Bursa Efek Indonesia Periode 2010-2014. Journal of Business Studies, 2 (1): 1-13.




DOI: http://dx.doi.org/10.22441/jies.v9i3.9959

Refbacks

  • There are currently no refbacks.


Copyright (c) 2020 JURNAL ILMU EKONOMI DAN SOSIAL (JIES)

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Jurnal Ilmu Ekonomi dan Sosial (JIES)
Editorial Office:
Pusat Penelitian Universitas Mercu Buana Jakarta, Gedung D Lantai 1,
Jalan Meruya Selatan No. 01, Kembangan, Jakarta Barat 11650.
Phone 021-5840816 Extention 3451 Fax. 021-5840813.
Homepage : http://www.mercubuana.ac.id Email : [email protected]

Portal ISSNPrint ISSN: 2301-9263
Online ISSN: 2621-0371

 

Creative Commons License
Jurnal Ilmu Ekonomi dan Sosial (JIES) and the article sare licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Web Analytics Made Easy - StatCounter
View My Stats

 

The journal was indexed by: