Analisis Faktor-Faktor yang Mempengaruhi Pertumbuhan Kredit PT Bank Rakyat Indonesia (Persero), Tbk

Abstract

The distribution of loan is one of many activity to do function of intermediaton for economic development. This researce has three main objective that include the following is to: (1) analyse influence of internal factors such third of funds (third of funds growth), performance factors Capital Adequacy Ratio (CAR) and operating expenses ratio (OER), and risk factor Non Performing Loan (NPL) to credit (loan growth); (2) analyse influence of external factors (BI rate, inflation and kurs) to credit (loan growth). This research was conducted at PT Bank Rakyat Indonesia (Persero), Tbk with structural equation modeling (SEM). Result of research analysis is third of fund factor, performance factors dan risk factor has significant effect. Third of fund factor have a significant positive effect to loan with coefficient standard of 0.4631. Performance factors and risk factor has significant negative effect to loan with coefficient standard of -0.4325 and -0.3983. External factors have a positive significant to credit with coefficient standard of 0.4156.