The Influence of Loan to Deposit Ratio, Non-Performing Loan, Capital Adequacy Ratio and Return on Assets of Credit Distribution at Commercial Banks in Indonesia 2017-2020
| Main Author: | Bella |
|---|---|
| Format: | Article info application/pdf Journal |
| Bahasa: | eng |
| Terbitan: |
jfpublshier
, 2022
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| Subjects: | |
| Online Access: |
https://journal.jfpublisher.com/index.php/jssh/article/view/127 https://journal.jfpublisher.com/index.php/jssh/article/view/127/87 |
Daftar Isi:
- The purpose of this research is to partially determine the effect of Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR) and Return on Assets (ROA) againts the credit distribution in comnmercial banks in Indonesia for 2017-2020 period. This research was conducted on registered conventional commercial bank in IDX during 2017-2020 period, i.e., 41 conventional banks. The independent variables in this research are LDR, NPL, CAR, and ROA, while the dependent variable is Credit Distribution. The data analysis technique used in this research is pooled data linear regression to get a comprehensive picture of the relationship between one variable and another using Microsoft Excel and Eviews version 9 to process the research data. From the research result, it is known that LDR has a significant positive affect on the credit distribution to commercial banks in Indonesia, which means the hypothesis is accepted. NPL has a significant positive effect on lending to commercial bank in indonesia which means the hypothesis is accepted. CAR is positive value but does not have a significant influence on credit distribution to commercial banks in Indonesia which means the hypothesis is rejected. ROA is negative but does not have a significant influence on credit distribution in commercial bank in Indonesia, which means the hypothesis is rejected.