Pengaruh Dana Pihak Ketiga, Kecukupan Modal, Kredit Bermasalah, Likuiditas, dan Ukuran Bank terhadap Penyaluran Kredit pada Bank Umum Swasta Nasional yang Terdaftar di Bursa Efek Indonesia Periode 2018-2022

Abstract

This research aims to examine and determine the influence of Third Party Funds, Capital Adequacy, Problem Loans, Liquidity, and Bank Size on Credit Distribution, both partial and simultaneous at National Private Commercial Banks listed on the Indonesia Stock Exchange in 2018 - 2022. This research uses secondary data obtained from financial reports on the Indonesia Stock Exchange website, namely www.idx.co.id, the websites of each bank using a sample of 11 companies. Sampling used a purposive sampling technique with an analysis unit of 55 observations. This research was analyzed using multiple linear regression analysis using SPSS version 26 software. The results of this research partially show that Capital Adequacy and Problem Loans have no effect on Credit Distribution, while Third Party Funds, Liquidity and Bank Size have a positive and significant effect on Credit Distribution. Simultaneously, Third Party Funds, Capital Adequacy, Problem Loans, Liquidity, and Bank Size together have a significant and influential effect on Credit Distribution.