CD Skripsi

Faktor-Faktor Yang Mempengaruhi Penyaluran Kredit Modal Kerja Pada Bank Umum Di Provinsi Riau Periode 2009-2019

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One of the activities of banks as an intermediary function is to collect funds from
the public and then redistribute in the form of credit. One of the most credit amount that
is redistribute by Public Banks is Working Capital Loans, because the amount of Working
Capital Loans is always increasing every year. This study was based by unoptimal
distribute yet phenomenon of Working Capital Loans at Public Banks in Riau Province,
which is shown by theoretical incompatibility with the factors that affecting the
distribution of Working Capital Loans which of them are Third-Party Funds, bad loans
risk or Non Performing Loans, and BI Interest Rate at several quarters of a year. This
study aims to determine how far Third Party Funds, Non-Performing Loans, and BI
interest rates affecting the optimal distribution of Working Capital Loans at Public Banks
in Riau Province during the period 2009 to 2019. Data analysis techniques that used in
this study is a multiple linear regression analysis or Ordinary Least Square (OLS), while
hypothesis testing uses t-test to partially test the influence of variables and the F-test to
test the effect of variables simultaneously with a significance level of 5%.
The results of statistical tests with the F-test show that Third Party Funds, Non
Performing Loans, and BI interest rates affect simultaneously or jointly on the
distribution of Working Capital Loans at Public Banks in Riau Province period 2009-
2019, which is indicated by the F value of 366,606 with a significance level of 0,000 and
the F table value for the regression model is 2,83 (F count value is greater than the F
table value) which is less than 0,05. While the results of statistical tests with the t-test
show that the Third Party Funds variable have a significant positive effect on the
distribution of Working Capital Loans, which is indicated by the value of t = 24,954 and
a significance value of 0,00 ( 0,05) which means that H2 is
not accepted, and the BI interest rates variable have a significant negative effect on the
distribution of Working Capital Loans as indicated by the value of t = -1,736 and a
significant value of 0,90 (

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

02 01. 120 (0128)

Penerbit

Pekanbaru : Universitas Riau – Fakultas Ekonomi dan Bisnis – Ilmu Ekonomi., 2020

Deskripsi Fisik

ix, 79 hlm.; ill.: 29 cm

Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

02 01. 120 (0128)

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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