Analisis Pengaruh Dana Pihak Ketiga, Non Performing Loans, Capital Adequacy Ratio, Return On Asset, dan Bunga Kredit Terhadap Penyaluran Kredit Perbankan (Studi Kasus Pada Bank BUMN di Indonesia Periode 2012-2016)

This research aims to analyze the influence of Third Party Funds, Non Performing Loans, Capital Adequacy Ratio, Return On Assets, and Credit Interest on Banking credit distribution on the list of state-owned enterprises 2012 to 2016. Independent variables used in this study are Third Party Funds DPK), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Return On Assets (ROA), and Credit Interest. The sample of this research consists of 4 state-owned banks. Sampling method is done by using purposive sampling. The data studied were obtained from Bank Indonesia and OJK. Data analysis technique in this research use multiple linear regression analysis. Hypothesis test in this study using t-test to test the partial regression coefficient, and F test to test the effect simultaneously with 5% significant level. All variables have been tested using normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. The results of this study indicate that all variables passed the classical assumption test and deserve to be used as research data. The result of t-test shows that the variable of Third Party Fund, Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), and Interest Credit have significant influence to the value of Distribution of Credit However the Return On Asset (ROA) has no significant effect on Distribution Banking credit