THE INFLUENCE OF DEPOSITS FROM THIRD PARTIES CAPITAL ADEQUACY RATIO, AND NON PERFORMING LOANS AGAINST CREDIT DISTRIBUTION AT PRIVATE COMMERCIAL BANKS IN INDONESIA REGISTERED ON THE INDONESIA STOCK EXCHANGE IN 2015 – 2017

Dwi Galih Budiharya, Elfreda Aplonia Lau, dan Murfat Effendi

Abstract


This study aims to determine and analyze the partial influence and
the simultaneous influence of Deposit from Third Parties, Capital Adequacy
Ratio and Non Performing Loans on Credit Distribution in Private
Commercial Banks in Indonesia Registered the Indonesia Stock Exchange in
2015 to 2017
The basic theory used in this study is financial management,
especially regarding Third Party Funds, Capital Adequacy Ratio, and Non-
Performing Loans. The analysis technique used in this study is multiple
linear regression. The use of multiple linear regression requires the testing
of classic assumptions and linearity.
The results showed that simultaneously Third Party Funds, Capital
Adequacy Ratio, and Non-Performing Loans had a significant effect on
lending to private commercial banks in Indonesia which were listed on the
Indonesia Stock Exchange. Partially, Third Party Funds have a significant
positive effect on lending, Capital Adequacy Ratio has a significant negative
effect on lending, and Non-Performing Loans have a non-significant positive
effect on lending

Keywords


deposit from third parties, capital adequacy ratio, non performing loan, credit

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DOI: https://doi.org/10.31293/ddk.v20i2.4445

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