MENILAI DAMPAK RASIO KEUANGAN TERHADAP PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT DI YOGYAKARTA

This study aims to analyze financial ratios that affect the amount of credit distribution at Bank Perkreditan Rakyat (BPR)in Yogyakarta.The ratios used are return on assets(ROA), non-performing loans (NPL), capital adequacy ratio (CAR), loan to deposit ratio (LDR). With Haussman test, the appropriate regression model to predict the effect of financial ratios on the amount of credit distribution is an estimation model of Random Effect.The test results indicate that return on assets (ROA) and non performing loans (NPL) each have a significant negative effect on the amount of credit distribution. However,capital adequacy ratio (CAR) and loan to deposit ratio (LDR) each have a significant positive effect on the amount of credit distribution