DESKRIPSI TUGAS AKHIR :
PENGARUH NON PERFORMING LOAN (NPL), LOAN TO DEPOSIT RATIO (LDR) DAN RETURN ON ASSET (ROA) TERHADAP PENYALURAN KREDIT PADA BANK UMUM SWASTA NASIONAL DEVISA PERIODE 2016-2021
Abstrak (Abstracts)
The Effect Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) Dan Return On Asset (ROA) on Credit Distribution at National Private Commercial Banks Foreign Exchange Period 2016-2021 ABSTRACT On of the main business activities for banks of Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) Dan Return On Asset (ROA) on Credit Distribution at National Private Commercial Banks for Foreign Exchange Period 2016-2021 simultaneously or partially. The data used in this study were obtained from Annual Report or Financial Report published on the website of the bank corcerned during the 2016-2021 period. The analytical method used is multiple linear regression analysis using statistical data processing software, namely IBM SPSS Version 25. The sampling technique used in this study is purposive sampling which is a sampling technique by determining certain criteria. Based on the result of research using the simultaneous test (F) it can be concluded that Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) dan Return On Asset (ROA) have a simultaneous effect on credit distribution, while based on the results of the Partial Test (t) it can be concluded that Non Performing Loan (NPL) has a partially negative and insignificantly effects against credit distribution, Loan to Deposit Ratio (LDR) has a partially positive and significant effect credit distribution and Return On Asset (ROA) has a partially negative and insignificantly effects against credit distribution. Salah satu kegiatan usaha pokok bagi bank adalah memberikan kredit. Tujuan dari penelitian ini yaitu mengetahui Pengaruh Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) Dan Return On Asset (ROA) Terhadap Penyaluran Kredit Pada Bank Umum Swasta Nasional Devisa Periode 2016-2021 secara simultan maupun parsial. Data yang digunakan dalam penelitian ini diperoleh dari Annual Report atau laporan keuangan yang terpublikasi di web resmi bank yang bersangkutan selama periode 2016-2021. Metode analisis yang digunakan yaitu analisis regresi linier berganda dengan menggunakan Software pengolahan data statistik yaitu IBM SPSS Versi 25. Teknik pengambilan sampel yang digunakan dalam penelitian ini yaitu Purposive Sampling merupakan teknik pengambilan sampel dengan menentukan kriteria-kriteria tertentu. Berdasarkan hasil penelitian dengan menggunakan uji simultan (F) dapat disimpulkan bahwa Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) Dan Return On Asset (ROA) berpengaruh secara simultan terhadap Penyaluran Kredit pada Bank Umum Swasta Nasional Devisa, sedangkan berdasarkan hasil Uji Parsial (t) disimpulkan bahwa Non Performing Loan (NPL) secara parsial berpengaruh negatif dan tidak signifikan terhadap penyaluran kredit, Loan to Deposit Ratio (LDR) secara parsial berpengaruh positif dan signifikan terhadap penyaluran kredit dan Return On Asset (ROA) secara parsial berpengaruh negatif dan tidak signifikan terhadap penyaluran kredit.Keyword : Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Ratio On Asset (ROA) dan Penyaluran Kredit
Nilai Properti
: SITI ARSIAH , : 962019019, : Politeknik Negeri Balikpapan, : KEUANGAN DAN PERBANKAN, : 2022, : Indonesia, : Tugas Akhir, : Prepustakaan Poltekba,Download Full Text
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