Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Loan dan Return On Assets Terhadap Penyaluran Kredit Pada Bank Umum Konvensional Periode 2012 2015
Economic activities of society and economy of a country as a whole can not be separated from the banking world. According to the PBI in 2012, a survey of financial statements of bank credit growth during 2012 was dominated by lending to the productive sector, while consumption loans declined. Good performance is expected to gain public confidence in the bank or the banking system as a whole. The tool to assess the loan portfolio is through the financial performance of the bank by using financial ratio analysis with the assessment of factors affecting the DPK, CAR, NPL, and ROA on bank loans. This study aims to determine the effect of DPK, CAR, NPL, and ROA on the Indonesia Stock Exchange. The design of this study using hypothesis testing research. The population in this study is a banking company listed on the Indonesia Stock Exchange. The data collection method used is to collect, record and review secondary data from conventional Commercial Bank financial statements listed on the Indonesia Stock Exchange in the period 2012 to 2014 which can be accessed through www.idx.co.id. The research was done by using multiple regression analysis technique using Statistical Package for Social Sciences (SPSS) program. The results of this study indicate that (1) Third party funds have an effect on bank lending ROA ratios have no effect on bank loans; (2) Capital adequacy ratio has no effect on bank lending (3) Bad debts affect bank loans; (4) ROA ratio has no effect on bank loan; Keywords:DPK, CAR, NPL ROA