Pengaruh Dana Pihak Ketiga, Non Performing Loan (NPL), Dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Penyaluran Kredit Pada Bank Umum Periode 2017-2021

Penelitian ini bertujuan untuk menganalisis pengaruh Dana Pihak Ketiga, Non Performing Loan, dan Biaya Operasional Pendapatan Operasional terhadap penyaluran kredit pada bank umum selama periode 2017-2021. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari laporan keuangan bank umum yang terdaftar di Bursa Efek Indonesia selama periode 2017-2021. Metode analisis yang digunakan adalah regresi linier berganda. Hasil penelitian ini menunjukkan bahwa Dana Pihak Ketiga, Non Performing Loan, dan Biaya Operasional Pendapatan Operasional secara simultan berpengaruh signifikan terhadap penyaluran kredit. Dana Pihak Ketiga memiliki pengaruh positif dan signifikan terhadap penyaluran kredit. Non Performing Loan berpengaruh positif dan signifikan terhadap penyaluran kredit. Biaya Operasional Pendapatan Operasional berpengaruh negatif dan signifikan terhadap penyaluran kredit.  This research aims to analyze the influence of Third Party Funds, Non-Performing Loan, and Operational Cost of Operational Income on credit distribution in commercial banks during the period of 2017-2021. The data used in this research is secondary data obtained from financial reports of commercial banks listed on the Indonesia Stock Exchange during the period of 2017-2021. The analytical method used is multiple linear regression. The results of this research show that Third Party Funds, Non-Performing Loan, and Operational Cost of Operational Income simultaneously have a significant influence on credit distribution. Third Party Funds have a positive and significant influence on credit distribution. Non-Performing Loan has a positive and significant influence on credit distribution. Operational Cost of Operational Income has a negative and significant influence on credit distribution. &nbsp