Pengaruh Non Performing Loan, Capital Adequacy Ratio, Dana Pihak Ketiga dan Return On Assets Terhadap Penyaluran Kredit pada Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2018-2022

Abstract

This study aims to determine the effect of non-performing loans, capital adequacy ratio, third party funds and return on assets on lending to conventional commercial banks listed on the Indonesia Stock Exchange for the 2018-2022 period. This type of research was conducted using a quantitative descriptive method, which uses population data from conventional commercial banks listed on the Indonesia Stock Exchange for the 2018-2022 period. The sampling method used was the purposive sampling method and was obtained by companies that passed the criteria as many as 35 banks with 175 observations. The results showed that non-performing loans had a negative and significant effect on lending, capital adequacy ratio had a positive and significant effect on lending, third party funds had a positive and significant effect on lending, and return on assets did not have a significant effect on lending. Simultaneously, non-performing loans, capital adequacy ratio, third party funds and return on assets affect credit disbursement at conventional commercial banks listed on the IDX in 2018-2022.