Faktor-Faktor yang Mempengaruhi Penyaluran Kredit pada Bank Umum Periode 2008-2012

Abstract

This research purposes to understand the direct and indirect impact of ˜Third Party Funds™, ˜Non Performance Loan™, ˜Return On Assets™ and ˜Capital Adequacy Ratio™ to Banking Lending. Population of the research is ˜go public™ commercial bank in Indonesia in which 23 of them taken as sampel of research which were selected purposively based on the assumption that they became ˜go public™ in the period of 2008-2012. Whereas, the data analyzed by path analysis technique, while both ˜t-test™ and ˜correlation test™ were used in testing of hypothesis. Then, the finding shows that both variable of ˜third party funds™ and ˜return on assets™ impact significantly to ˜Capital Adequacy Ratio™. Furthermore, the ˜Third Party Funds™ and ˜return on assets™ impact positively to the Banking Lending, while Non-Performance Loan and Capital Adequacy Ratio impact significant negatively to Banking Lending