PENGARUH DANA PIHAK KETIGA DAN NON PERFORMING LOAN TERHADAP PENYALURAN KREDIT BANK UMUM KONVENSIONAL

Abstract: The purpose of the study was to determine the influence of Third Party Funds and Non Performing Loan on lending distribution of Commercial Bank in Indonesia. This research uses quantitative and associative research methods using time series data. The research period is January 2014 through December 2016. The results showed that Third Party Funds was positively and significantly to lending distribution, while Non Performing Loan had negative and significant effect on lending distribution. Finding indicated that Third Party Funds and Non Performing Loan has significant effect on lending distribution.Keywords: Depositor Funds, Non Performing Loan, loansAbstrak: Penelitian ini dilakukan untuk mengetahui besarnya pengaruh Dana Pihak Ketiga dan Non Performing Loan terhadap penyaluran kredit Bank Umum Konvensional Indonesia. Penelitian ini menggunakan metode penelitian kuantitatif dan bersifat asosiatif dengan menggunakan data time series. Periode penelitian adalah Januari 2017 hingga Desember 2019. Hasil penelitian menunjukkan bahwa Dana Pihak Ketiga berpengaruh positif dan signifikan terhadap penyaluran kredit, sedangkan Non Performing Loan berpengaruh negatif dan signifikan terhadap penyaluran kredit. Pengaruh secara simultan menunjukkan bahwa Dana Pihak Ketiga dan Non Performing Loan berpengaruh secara signifikan terhadap penyaluran kredit.Kata kunci: Dana Pihak Ketiga, Non Performing Loan, kredit