ANALISIS PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT (BPR) DI JAWA TIMUR

Authors

  • Kinar sih Universitas Muhammadiyah Malang
  • Faisal Abdullah

DOI:

https://doi.org/10.22219/jie.v4i2.12001

Keywords:

BI-Rate, Third Party Funds, Non Peforming Loans, Credit Distribution, Multiple Linear Regression

Abstract

This research aims to analyze the influencing factors lending at the Rural Bank (BPR) in East Java Provience, a total population recorded in desember 2018 of 1583 offices spread in East Java Province. The variable used are Third Party Funds (DPK), BI-Rate, and Non Performing Loan (NPL). The source of this research data comes from the official website of the Central Statistics aviable in the Financial Services Authority (OJK). The period of the research is amounted 14 years, starting from 2005 – 2018. The analysis technique of this research is the Multiple Linear Regression technique.

 Based on results of this research, it can be stated simultaneously and partyally that the independent variable has a significant effect on lending, when the variable Third Party Funds (DPK) and BI-Rate both have a significant positive effect with probability of 0.0000 and 0.0088. while the Non Performing Loan (NPL) variable has a significant negative effect with a probability of 0.0001

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Author Biography

Faisal Abdullah

Ekonomi Pembangunan

References

Bank Indonesia. (2019). “moneter”. www.bi.go.id. [diakses pada 4 Oktober 2019]. Badan Pusat Statistik. “Table BI-Rate”. www.bps.go.id [diakses pada 29 Januari 2020]. Darmawi, H. (2012). Manajemen Perbankan. PT. Bumi Aksara. Gift, V., Putro, T., & Mayes, A. (2016). Faktor-Faktor Yang Mempengaruhi Penyaluran Kredit Pada Bank Perkreditan Rakyat (Bpr) Di Provinsi Riau Tahun 2006-2015. Jurnal Online Mahasiswa Fakultas Ekonomi Universitas Riau, 4(1), 768–782. Haryanto, S. B., & Widyarti, E. T. (2017). Analisis Pengaruh NIM, NPL, BOPO, BI Rate dan CAR Terhadap Penyaluran Kredit Bank Umum Go Public Periode 2012-2016. Journal of Management, 6(4), 1–11. Ismail. (2011). Manajemen Perbankan: Dari Teori Menuju Aplikasi (pertama). Kencana. Kuncoro, M., & Suhardjono. (2002). MANAJEMEN PERBANKAN: Teori dan Aplikasi (Pertama). BPFE-YOGYAKARTA. Mukhlis, I. (2015). Ekonomi Keuangan & Perbankan. In Ekonomi Keuangan & Perbankan: Teori dan Aplikasi. Salemba Empat. Murdiyanto, A. (2012). Faktor-Faktor Yang Berpengaruh Dalam Penentuan Penyaluran Kredit Perbankan Studi Pada Bank Umum Di Indonesia Periode Tahun 2006 - 2011. Conference In Business, Accounting, And Management (CBAM), 1(1), 61–75. http://jurnal.unissula.ac.id/index.php/cbam/article/view/123/99 Otoritas Jasa Keuangan (OJK). 2017. “Surat Edaran Otoritas Jasa Keuangan”. www.ojk.go.id [diakses pada 4 Oktober 2019] Otoritas Jasa Keuangan (OJK). 2011 - 2018. "Statistik Perbankan Indonesia". www.ojk.go.id [diakses pada 29 Januari 2020]. Panuntun, B., & Sutrisno, S. (2018). Faktor Penentu Penyaluran Kredit Perbankan Studi Kasus Pada Bank Konvensional Di Indonesia. JAD: Jurnal Riset Akuntansi & Keuangan Dewantara, 1(2), 57–66. https://doi.org/10.26533/jad.v1i2.235 Putra, I. G. O. P. dan S. D. R. (2015). Pengaruh DPK, BI-Rate, dan NPL terhadap Penyaluran Kredit Modal Kerja pada BPR di Provinsi Bali Tahun 2009-2014. E-Jurnal Ekonomi Pembangunan Universitas Udayana, 4(5), 451–464. Sari, N., & Abundanti, N. (2016). Pengaruh Dpk, Roa, Inflasi Dan Suku Bunga Sbi Terhadap Penyaluran Kredit Pada Bank Umum. E-Jurnal Manajemen Universitas Udayana, 5(11), 7156–7184. Suhardjono. (2003). Manajemen Perkreditan: Usaha Kecil dan Menengah. UPP AMP YKPN.

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Published

2020-05-23

How to Cite

sih, K., & Abdullah, F. (2020). ANALISIS PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT (BPR) DI JAWA TIMUR. Jurnal Ilmu Ekonomi JIE, 4(2), 339–353. https://doi.org/10.22219/jie.v4i2.12001

Issue

Vol. 4 No. 2 (2020): Jurnal Ilmu Ekonomi

Section

Article

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