CD Skripsi
Pengaruh Kecukupan Modal, Dana Pihak Ketiga, Pinjaman Terhadap Simpanan Dan Transaksi Perbankan Digital Terhadap Penyaluran Kredit Pada Bank Umum Di Indonesia (Studi Empiris Pada Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia (Bei) Pada Periode 2019-2023)
ABSTRACT
Credit distribution is the main activity of banks in distributing and to the community
or customers in the form of loans that aim to obtain income. This study aims to
analyze the influence of capital adequacy, third-party funds, loans on deposits and
digital banking transactions on credit disbursement. This study uses a quantitative
approach with the population of banking companies listed on the Indonesia Stock
Exchange during the period 2019-2023 and uses the purposive sampling technique
as the basis for determining the sample. The data analysis technique used was
multiple linear regression analysis. Based on the results of the statistical test, the
results show that the partial capital adequacy has a negative and significant effect
on credit distribution. Third-party funds, loans to deposits and digital banking
transactions each partially have a positive effect on credit disbursement.
Keywords : Capital Adequacy, Third-Party Funds, Loans to Deposits, Digital
Banking Transactions, Credit Distribution
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