Analisa pengaruh non performing loan, dana pihak ketiga, modal bank dan efek covid19 terhadap agregat penyaluran kredit pada bank umum periode 2011-2021
P Penelitian ini bertujuan untuk mengidentifikasi pengaruh Dana Pihak Ketiga,Non Performing Loan, Pandemi Covid Dan Modal Bank Terhadap Penyaluran KreditBank Umum Periode 2011-2020. Dana Pihak Ketiga, Non Performing Loan danModal Bank yang di proxykan dengan Capital Adequacy Ratio sebagai variabelIndependen dan Pandemi Covid sebagi variabel dummy terhadap Penyaluran KreditBank Umum sebagai variabel dependen. Model penelitian yang digunakan adalahregresi linear berganda atau Ordinary Least Square (OLS). Sampel yang digunakanmerupakan data time series (2011-2021).Hasil penelitian menunjukan Dana Pihak Ketiga berpengaruh positif dansignifikan terhadap penyaluran kredit dan Modal Bank yang diproxykan denganCapital Adequacy Ratio berpengaruh negatif dan signifikan terhadap PenyaluranKredit sedangkan Variabel Non Performing Loan Terbukti berpengaruh negatif dansignifikan terhadap penyaluran kredit dan Pandemi Covid Terbukti berpengaruhnegatif terhadap penyaluran kredit bank umum
T This study aims to identify the effect of Third Party Funds, Non PerformingLoans, the Covid Pandemic and Bank Capital on Commercial Bank CreditDistribution for the 2011-2020 Period. Third Party Funds, Non-Performing Loans andBank Capital which is proxied by the Capital Adequacy Ratio as the Independentvariable and the Covid Pandemic as the dummy variable, to Commercial Bank CreditDisbursement as the dependent variable. The research model used is multiple linearregression or Ordinary Least Square (OLS). The sample used is time series data(2011-2021).The research results show Third Party Funds have a positive and significanteffect on lending and Bank Capital which is proxied by the Capital Adequacy Ratiohas a negative and significant effect on Credit Disbursement while the Non-Performing Loan Variable has been shown to have a negative and significant effect onlending and the Covid Pandemic has been shown to have a negative effect oncommercial bank lending