ANALISIS PENYALURAN KREDIT KONSUMSI PADA PERBANKAN DI INDONESIA TAHUN 2004 – 2010
ABSTRACT: The research
objective was to determine the influence of third party fund, Non-perfoming
loans (NPLs), Capital Adequacy Ratio (CAR) on consumer loans disbursed. The
analytical tool used panel data regression. The sample used in this study are 7
(seven) bank based on the type of operation. Results of regression, found that
variable third party fund positive and significant impact on consumer loans. Variable
Non-perfoming loans (NPLs) and not significant positive effect on consumer
loans. This is possible due to high NPLs in the bank's financial statements
only describe the overall value of the credit. Capital Adequacy Ratio (CAR)
individually have a significant negative effect on consumer loans. The study
reinforces previous findings that high capital still has not been followed by
increased consumer credit.
KEYWORDS: Consumer Credit,
Third Party Fund, Non-perfoming loans (NPLs), Capital Adequacy Ratio (CAR)
Penulis: Oktavia Hartika
Kode Jurnal: jpmanajemendd141319
