CD Tesis
Analisis Faktor-Faktor Yang Mempengaruhi Penyaluran Kredit Pada Bank Perkreditan Rakyat Di Provinsi Riau Tahun 2014-2019
Bank carry out their activities by distributing credit. Funds come from
individuals who have excess funds to individuals in need, both of whom benefit.
People’s credit banks were chosen because they are considered closer to the
community. Including providing convenience to the general public who have
difficulty access to deal with commercial banks, thereby preventing the public
from borrowing from moneylenders.
This study aims to analyze the effect of policy on loan interest rates,
capital adequacy ratio (CAR), return on asset (ROA), non performing loan (NPL)
and loan to deposit ratio (LDR) on lending to credit distribution at the people’s
credit bank in the province of riau.
The population in this study were all banking companies in Riau Province
from 2014-2019, which amounted to 34 companies. The sampling method in this
study was purposive sampling in accordance with the sampling criteria, from 34
companies, 27 companies were obtained that could be used as samples in this
study. The data collection method used in this study is documentation, while the
data collected is about loan interest rates, capital adequacy ratio (CAR), return
on asset (ROA), non performing loan (NPL), loan to deposit ratio (LDR). The
data analysis method used in this study is multiple linear regression analysis.
The results of this study loan interest rates, capital adequacy ratio (CAR),
return on asset (ROA), non performing loan (NPL), and loan to deposit ratio
(LDR) had an effect on lending to Rural Banks in Riau Province in 2014-2019.
Keywords: Interest Rate of Credit, CAR, LDR, and Distribution of credit
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