Analisis Pengaruh Rasio Kecukupan Modal, Tingkat Pengembalian Aset, Kredit Bermasalah, dan Produk Domestik Bruto terhadap Penyaluran Kredit (Studi pada Bank Umum yang Terdaftar di Bursa Efek Indonesia Periode 2020-2023)

Abstract

This study aims to determine the influence of capital adequacy ratio, return on assets, non-performing loans, and gross domestic product on credit disbursement in commercial banks listed on the Indonesia Stock Exchange during the period 2020-2023. This research employs an associative and quantitative approach. The data used in this study are secondary data related to capital adequacy ratio, return on assets, non-performing loans, gross domestic product, and credit disbursement, with a total of 84 observations. The analytical technique utilized is multiple linear regression analysis. The results of this study indicate that partially, the capital adequacy ratio has a positive and significant effect on credit disbursement in commercial banks listed on the Indonesia Stock Exchange during the period 2020-2023. Return on assets also has a positive and significant influence on credit disbursement in these banks during the same period. Nonperforming loans exhibit a positive and significant impact on credit disbursement in the aforementioned banks. Gross domestic product similarly shows a positive and significant effect on credit disbursement in these banks during the specified period. Simultaneously, the capital adequacy ratio, return on assets, nonperforming loans, and gross domestic product collectively exert a positive and significant influence on credit disbursement in commercial banks listed on the Indonesia Stock Exchange during the period 2020-2023.