Analisis Faktor-Faktor yang Mempengaruhi Penawaran Kredit Bank BUMN di Indonesia Tahun 2000-2016

Doeve, Juliana Fransiska Setiawan (2018) Analisis Faktor-Faktor yang Mempengaruhi Penawaran Kredit Bank BUMN di Indonesia Tahun 2000-2016. Other thesis, Universitas Sebelas Maret.

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    Abstract

    ANALYSIS OF FACTORS AFFECTING SUPPLY OF CREDIT BUMN BANKS IN INDONESIA IN THE YEAR OF 2000-2016 JULIANA FRANSISKA DETIAWAN DOEVE F0114052 In 2016 the credit supply of State-owned Banks of Indonesia has contributed to total banking credit supply about 39.11%. In addition, in 2000-2016 the credit supply of State-owned Banks of Indonesia tend to increase. This research aims to analyze the impact of operational cost of operating income (BOPO), Capital Adequacy Ratio (CAR), and Non Performing Loan (NPL) on supply of credit in State-Owned Banks of Indonesia in 2000-2016. Furthermore, this research employs Fixed Effect Model (FEM). This method is choosen refers to the best model test in panel data. This research uses time series data in 2000-2016 and cross section for Mandiri Bank, BNI, BTN, and BRI. This research uses 68 observations. The research results show that BOPO has a negative impact and significant on supply of credit, CAR has a positive impact and significant on supply of credit, and NPL has a negative impact and significant on supply of credit. The recommendation of this research covers: banks should held down operational cost, banks should manage risks on CAR, and banks should keep a level of NPL. Test coefficient of determination (R2) that is equal to 0,601898. This means that 60,1898% of the variation of the dependent variable is explained by the variation of the independent variable. The recommendations of this research are: a) Banking is expected to reduce its operational cost in order to make banks more efficient, b) Banks are expected to be more careful to use their capital to avoid risk, c) Banks are expected to maintain NPL percentage in accordance with BI and OJK regulations. Keywords: Supply of Credit, State-Owned Bank, FEM

    Item Type: Thesis (Other)
    Subjects: H Social Sciences > HB Economic Theory
    H Social Sciences > HC Economic History and Conditions
    Divisions: Fakultas Ekonomi dan Bisnis
    Fakultas Ekonomi dan Bisnis > Ekonomi Pembangunan
    Depositing User: Ratri Dwi Saputri
    Date Deposited: 04 Jun 2018 04:10
    Last Modified: 04 Jun 2018 04:10
    URI: https://eprints.uns.ac.id/id/eprint/41308

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