CD Skripsi

Analisis Penyaluran Kredit Usaha Mikro Kecil Dan Menengah (Umkm) Pada Bank Persero Di Indonesia Periode 2013-2019

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The reduced willingness of banks to provide credit can be sourced from
internal bank factors such as poor quality of banking assets, high non-performing
loans (NPLs), and decreased bank capital due to depreciation thereby reducing
banks' ability to provide loans. The purpose of this study is to determine the effect
of Capital Adequacy Ratio (CAR), Non Performing Loans (NPL) and Loan To
Deposit Ratio (LDR) both partially and simultaneously on the distribution of
credit for Micro, Small and Medium Enterprises (UMKM) at the Persero in 2013-
2019. The data used are secondary data derived from the annual report of the
Financial Services Authority (OJK), especially Bank Persero. The analytical
method used in this study is the analysis of Multiple Linear Regression. The
results of this study indicate that CAR and NPL partially have a negative and
significant effect on the distribution of UMKM loans to the Persero, while the
Loan To Deposit Ratio (LDR) partially has a negative and not significant effect
on the distribution of UMKM loans to the Persero. Simultaneously, the CAR, NPL
and LDR variables affect the distribution of UMKM loans to the Persero Bank. In
an effort to increase the volume of lending, banks should use CAR to extend loans
not to purchase fixed assets, and reduce bad loans. To maximize the profits of
banking companies, banks should increase the volume of lending.
Keywords : Persero Banks, Capital Adequacy Ratio (CAR), Non Performing
Loans (NPL), Loan To Deposit Ratio (LDR), Credit Distribution,
UMKM

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

02 01. 120 (0104)

Penerbit

Pekanbaru : Universitas Riau – Fakultas Ekonomi Dan Bisnis – ILMU EKONOMI., 2020

Deskripsi Fisik

xii, 29 hlm.; ill.: 29 cm

Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

02 01. 120 (0104)

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

ILMU EKONOMI

Info Detail Spesifik

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Pernyataan Tanggungjawab

Daus

Versi lain/terkait

Lampiran Berkas

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