Publication Date: 2020/12/16
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
DOI: No DOI Available
PDF: https://ijirst.demo4.arinfotech.co/assets/upload/files/IJISRT20NOV578.pdf
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