FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT PERBANKAN (BANK YANG TERDAFTAR DI BEI& BI PERIODE TAHUN 2013-2015)

ABSTRACT Agus Nurmansyah, 2016: Factors Influencing Lending Banking (Banks Listed on the Stock Exchange and BI Period 2013-2015). Thesis Department of Accounting Faculty of Economics, University of Jakarta. This study aims to determine the factors that affect bank lending. The dependent variable in this study is lending. The independent variables in this study is a Third Party Fund (DPK), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return on Assets (ROA) and Operating Expenses Operating Income (ROA). This study sampled banking companies listed in Indonesia Stock Exchange and Bank Indonesia are included in the magazine's 50 best bank investors. The study period is 2013 to 2015. The data obtained by purposive sampling techniques and using multiple regression analysis. The test results simultaneously show DPK, LDR, CAR, NPLs, ROA and ROA influence simultaneously toward lending. The test results showed that partial hypothesis DPK, LDR, and NPL significant effect on lending. While CAR, ROA and ROA no significant effect on lending. Keywords: Third Party Fund (DPK), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return on Assets (ROA) and Operating Expenses Operating Income (ROA), Lendin