Analisis Variabel DPK, CAR, NPL, LDR, ROA, GWM, dan Inflasi Terhadap Penyaluran Kredit Investasi Pada Bank BUMN (Periode 2005 – 2013)
Abstract
This study aims to determine the effect of third-party funds (DPK), capital adequacy ratio (CAR), loan deposit ratio (LDR), return on assets (ROA), non-performing loan (NPL), reserve requirement, and inflation on investment loans in the State-Owned Enterprises Banks period 2005-2013. This research quantitative data used are secondary data and quarterly. Method of regression analysis using panel regression. Research results showed that simultaneous DPK, CAR, LDR, ROA, NPL, GWM, and inflation has a significant effect on the variable investment loans. In parisal investment loans significantly affected by DPK (+), CAR (+), LDR(+), and NPL (+).Whereas ROA(+), reserve requirement (-), and inflation (-) has no significant effect on investment loans State-Owned Enterprises Banks.The rate coefficient of determination ( ) for the variables that affect working capital loans amounted to 94%, which means the independent variables in the model is able to explain the dependent variable (investment loans) at 94%, the remaining 6% is explained by variables outside this model.
Keywords : Credit, Deposit, CAR, LDR, ROA, NPL, GWM, Inflation
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