Authors :
Arum Pratiwi Puspitasari; Dudi Permana
Volume/Issue :
Volume 5 - 2020, Issue 11 - November
Google Scholar :
http://bitly.ws/9nMw
Scribd :
https://bit.ly/2KyGFak
Abstract :
Banking is an important part of the economic
development of a country. As a financial institution,
banks need to carry out all forms of activities with the
principle of prudence. One of the activities of the bank
which plays an important role in developing the country
is the distribution of credit. Many internal and external
factors need to be considered by the Bank.
This study aims to analyze how much influence the
ratios included in the Bank Soundness Assessment using
the RBBR Method on the provision of credit to
Indonesian banks. The data used are secondary data
such as banking financial reports based on the criteria of
the bank which are classified as the 10 largest banks with
assets in the 2016 period. The data collection method is
purposive sampling with a data period of 6 years (2014-
2019). The variables used in the study were NPL, LDR,
OEOI, NIM, ROA, and CAR as independent variables
and the amount of credit as the dependent variable. Tests
have been carried out using multiple linear regression
analysis to test the effect of the independent variable on
the dependent variable. The F test is conducted to
determine the effect simultaneously, the t-test is carried
out to determine the effect part and the coefficient of
determination to determine the ability of the
independent variable to explain the dependent variable.
This study found that simultaneously the six variables
have an effect on the dependent variable, but partially
the NPL, ROA, NIM, and CAR variables do not have a
significant positive effect, LDR has no negative
significant effect and OEOI has a negative significant
effect on the amount of credit disbursement.
Keywords :
Perceived Ease of Use; Credit, Financial Ratio, Banking, Influence Analysis
Banking is an important part of the economic
development of a country. As a financial institution,
banks need to carry out all forms of activities with the
principle of prudence. One of the activities of the bank
which plays an important role in developing the country
is the distribution of credit. Many internal and external
factors need to be considered by the Bank.
This study aims to analyze how much influence the
ratios included in the Bank Soundness Assessment using
the RBBR Method on the provision of credit to
Indonesian banks. The data used are secondary data
such as banking financial reports based on the criteria of
the bank which are classified as the 10 largest banks with
assets in the 2016 period. The data collection method is
purposive sampling with a data period of 6 years (2014-
2019). The variables used in the study were NPL, LDR,
OEOI, NIM, ROA, and CAR as independent variables
and the amount of credit as the dependent variable. Tests
have been carried out using multiple linear regression
analysis to test the effect of the independent variable on
the dependent variable. The F test is conducted to
determine the effect simultaneously, the t-test is carried
out to determine the effect part and the coefficient of
determination to determine the ability of the
independent variable to explain the dependent variable.
This study found that simultaneously the six variables
have an effect on the dependent variable, but partially
the NPL, ROA, NIM, and CAR variables do not have a
significant positive effect, LDR has no negative
significant effect and OEOI has a negative significant
effect on the amount of credit disbursement.
Keywords :
Perceived Ease of Use; Credit, Financial Ratio, Banking, Influence Analysis
