ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI JUMLAH PENYALURAN KREDIT PADA BANK UMUM DI INDONESIA TAHUN 2018-2021

This research aims to prove empirically what factors affect the productive lending bank. This research uses the dependent variable distribution of Productive Credit Banking. While the independent variables used were the Third Party Funds (TPF), Interest Rate Loans, Interest Rates of SBI, Capital Adequacy Ratio (CAR), and Non Performing Loan (NPL). This research uses state-owned Bank of the Bank Tabungan Negara, Bank Negara Indonesia, Bank Rakyat Indonesia, and Bank Mandiri as objects of research with the research period of the year 2003 – 2010 (the annual). Analysis technique used is multiple linear regression, while testing hypotheses using t-test to test the effect of variable partial (individual) and the F-test to test the effect of variables simultaneously (together) with a significance level of 5%. Based on research obtained results that the Third Party Funds (TPF), Interest Rate Loans, Interest Rates of SBI, Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPL) simultaneously (together) 95,5% affecting the Distribution of Earning Credit Banking. Partial (individual) Third Party Funds (TPF) has a positive effect on distribution of Earning Credit. While Interest Rate Loans, Interest Rates of SBI, Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPL) have a negative influence.