Pengaruh Net Interest Margin, Capital Adequacy Ratio, Non Performing Loan, Dana Pihak Ketiga, Suku Bunga Sertifikat Bank Indonesia, dan Inflasi Terhadap Penyaluran Kredit Perbankan (Studi pada Bank Umum Go Public di Indonesia Periode 2015-2021)

Abstract

This study aimed to analyze the effect of net interest margin, capital adequacy ratio, non performing loan, third party funds, interest rates for Bank Indonesia Certificates, and inflation on banks lending (study on go public commercial banks in Indonesia period 2015-2021). This research is a type ofcausal associative research. The type of data used in this research is secondarydata which can be accessed from website www.idx.co.id and www.bi.go.id. The population in this research consisted of 45 banks. The sample selection methodused in this research is purposive sampling method and obtained as many as 35 sample banks for 7 observation periods (2015-2021) with a total of 245 researchobservations. The data analysis technique used multiple linear regression analysis. Data processed used the IBM SPSS Statistics 26 program. The resultscontained in this research are net interest margin, third party funds, and interestrates for Bank Indonesia Certificates partially have a positive and significant effect on bank lending. Capital adequacy ratio, non performing loan, and inflationpartially have no effect on bank lending.