PENGARUH CAR, NPL, DAN ROA TERHADAP PENYALURAN KREDIT USAHA RAKYAT (Studi Kasus pada PT Bank Rakyat Indonesia Tbk)
ABSTRACT: Bank Rakyat
Indonesia has made a positive contribution in the development of SMEs in
Indonesia with the Kredit Usaha Rakyat (KUR) program. Internal factors
affecting the distribution of KUR, that is Capital Adequacy Ratio (CAR), Non
Performing Loan(NPL), and Return On Assets (ROA), so this study aims to
determine the effect of CAR, NPL on distribution of KUR with ROA as mediation.
This research used the quantitative approach and case study at Bank Rakyat
Indonesia 2009-2016. Data collection methode is nonparticipant observation by
accessing website www.bri.co.id and used path analysis techniques with
sub-structure model. Sub-structure I indicate that CAR, NPL significant effect
on ROA and sub-structure II indicate that CAR, NPL, ROA have significant effect
on the distribution of KUR. Sobel test indicate there is an indirect effect
between CAR and NPL on distribution of KUR with ROA as mediation.
Keyword: Capital Adequacy
Ratio (CAR), Kredit Usaha Rakyat (KUR), Non Performing Loan (NPL), Return On
Assets (ROA)
Penulis: Suci Prihartini, I
Made Dana
Kode Jurnal: jpmanajemendd180057
