PENGARUH JUMLAH DANA PIHAK KETIGA, SUKU BUNGA KREDIT DAN NON PERFORMING LOAN TERHADAP PENYALURAN KREDIT PERBANKAN DI PROVINSI KALIMANTAN BARAT

Abstract

ABSTRACT
Bank is a financial institution that serves the financial intermediaries. Banks
accept deposits from the public and channel them back to the community in the form
of credit. Credit disbursement allow investment, distribution, and consumption of
goods and services.
The title of this study was the influence of the amount of third party fund
(DPK), Interest Rates and Non Performing Loan (NPL) Against Credit Banking in
West Kalimantan Province. This study aims to determine how much influence the
variable amount of third party fund (DPK) to the bank credit in the province of West
Kalimantan in 2005-2014, to know the effect of variable interest rate loans to the
bank credit in West Kalimantan Province, and to determine how much influence Non
Performing Loan (NPL) terhadapa bank credit in the province of West Kalimantan.
This study used quantitative descriptive method using multiple linear regression
model, as well as statistical analysis tools that test of determination (R2), F test and t
test to test the hypothesis whether the amount of third party funds (DPK), loan
interest rates, and non-performing loan (NPL) to bank credit.
These results indicate that the amount of third party funds (DPK) positive
effect of 1.194676 and significant, lending rates were affected positively by
1580,176 and significant, while the NPL variable positive effect of 362.8483 and not
significant to the bank credit in West Kalimantan. The coefficient of determination
(R2) of 0.986831, which means the amount of influence exerted by a variable
number of third party funds (DPK), loan interest rates, and Non Performing Loan
(NPL) in West Kalimantan by 98%, while the remaining 2% are affected by other.
Keywords: Banking Credit, Third Party Fund (DPK), Interest Rate Credit, And
Non Performing Loan (NPL).