PERAN TINGKAT SUKU BUNGA, CAPITAL ADEQUACY RATIO, NET PERFORMING LOAN, RETURN ON ASSET DAN LOAN TO DEPOSIT RATIO TERHADAP PENYALURAN KREDIT USAHA MIKRO KECIL DAN MENENGAH (STUDI PADA BANK UMUM NASIONAL DI WILAYAH SURAKARTA)

Abstract

This study aims to determine the bank interest rates, Capital Adequacy Ratio, Non Performing loans, Return On Assets and Loan to Deposit Ratio significantly influence the amount of loans channeled by banks. The analysis technique used by regression, the samples in this study include: Banking companies in the Surakarta region that have been registered with Bank Indonesia that has been Go Public. National commercial banks that have complete data needed in this research variable. The results of this study indicate that the interest rates have a positive and significant effect, the variable Capital Adequacy Ratio (CAR) has a negative but not significant effect, the variable Net Performing Loan (NPL) has a negative and significant effect. The variable Return on Assets (ROA) has a positive but not significant effect, the variable Loan to Deposit Ratio (LDR) has a positive and significant effect on lending to MSMEs.

Penelitian ini bertujuan untuk mengetahui tingkat suku bunga bank, Capital Adequacy Ratio, Non Performing loan, Return On Asset dan Loan to Deposit Ratio berpengaruh signifikan terhadap jumlah kredit yang disalurkan oleh bank. Tehnik analisis yang digunakan dengan regresi, sampel dalam penelitian ini meliputi :Perusahaan perbankan di wilayah Surakarta yang telah terdaftar di Bank Indonesia yang sudah Go Public., Bank umum nasional yang memiliki kelengkapan data yang dibutuhkan dalam variabel penelitian ini. Hasil penelitian ini menunjukkan ariabel Tingkat Suku Bunga  berpengaruh positif dan signifikan, variabel Capital Adequacy Ratio (CAR) berpengaruh negatif tetapi tidak signifikan, variabel Net Performing Loan (NPL) berpengaruh negatif dan signifikan. variabel Return On Asset (ROA) berpengaruh positif tetapi tidak signifikan, variabel Loan to Deposit Ratio (LDR) berpengaruh positif dan signifikan terhadap penyaluran kredit pada UMKM.