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Determinasi Penyaluran Kredit Bank Perkreditan Rakyat di Sumatera Utara

Determination Of Credit Distribution At Rural Banks In North Sumatra

Authors
  • Elisa Simamora Universitas Sumatera Utara
  • Wahyu Sugeng Imam Soeparno Universitas Sumatera Utara
Issue       Vol 6 No 1 (2023): Talenta Conference Series: Local Wisdom, Social, and Arts (LWSA)
Section       Articles
Section      

Copyright (c) 2023 Talenta Conference Series: Local Wisdom, Social and Arts (LWSA)

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
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DOI: https://doi.org/10.32734/lwsa.v6i1.1697
Keywords: Kredit Bank Perkreditan Rakyat VECM Credit Rural Banks
Published 2023-01-15

Abstract

Penelitian ini bertujuan untuk menganalisis Determinasi Penyaluran Kredit oleh Bank Perkreditan Rakyat di Provinsi Sumatera Utara, variabel yang digunakan sebagai proksi penelitian ini adalah Dana Pihak Ketiga, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) Return On Assets (ROA). menggunakan data time series periode Januari 2013 sampai Desember 2017, alat analisis yang digunakan adalah Vector Error Correction Model (VECM). Hasil penelitian pada jangka panjang dan jangka pendek menunjukan bahwa variabel Dana Pihak Ketiga, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) dan Return On Assets (ROA), secara bersama-sama berpengaruh signifikan dan mempengaruhi penyaluran kredit Bank Perkreditan Rakyat di Provinsi Sumatera Utara.

 

This study aims to analyze the Determination of Credit Distribution by Rural Banks in North Sumatra Province, the variables used as proxies for this study are Third Party Funds, Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Loan to Deposit Ratio (LDR) Return On Assets (ROA). using time series data for the period January 2013 to December 2017, the analysis tool used is the Vector Error Correction Model (VECM). The results of research on the long term and short term show that the variables of Third Party Funds, Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Loan to Deposit Ratio (LDR) and Return On Assets (ROA), together have a significant effect and affecting the lending of Rural Banks in North Sumatra Province.