Analisis Faktor Pertumbuhan Kredit Bank Komersil Di Indonesia

Fariz Alfiknacio Abdat; Rika Maryani; Jerry Ananta Ginting; Henny Setyo Lestari; Farah Margaretha

doi:10.24912/je.v29i2.2351

Authors

Fariz Alfiknacio Abdat Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti
Rika Maryani Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti
Jerry Ananta Ginting Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti
Henny Setyo Lestari Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti
Farah Margaretha Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti

DOI:

https://doi.org/10.24912/je.v29i2.2351

Keywords: Non-Performing Loans; Loan Growth Rate; Bank Capital; Loan to Deposit Ratio; Panel Regression.

Abstract

This research analyzes the influence of Non-Performing Loans, Loan to Deposit Ratio, Loan Loss Provision, Equity Asset Ratio, Liquidity Ratio, Gross Domestic Product, Inflation, Interest Rate, Bank Capital, and Bank Size on Loan Growth Rate in banking companies listed on the Indonesia Stock Exchange (BEI) from 2019 to 2023. The method used is regression multiple panels with secondary data obtained through purposive sampling, covering 205 financial reports from 41 companies. The results of the analysis using Eviews 12 show that Non-Performing Loans, Loan to Deposit Ratio, Loan Loss Provision, Equity Asset Ratio, Liquidity Ratio, Gross Domestic Product, Inflation, Interest Rate, Bank Capital, and Bank Size have a significant influence on Loan Growth Rate. This research provides important insights into the factors influencing loan growth in the Indonesian banking sector, as well as implications for risk management and banking policy.

Author Biographies

Fariz Alfiknacio Abdat, Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti

farizalfik@gmail.com

Rika Maryani, Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti

Rikamaryani029@yahoo.com

Jerry Ananta Ginting, Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti

jerryananta.g@gmail.com

Henny Setyo Lestari, Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti

henny_setyo_lestari@trisakti.ac.id

Farah Margaretha, Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Trisakti

farahmargaretha@trisakti.ac.id

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