Analisis Penyaluran Kredit Usaha Mikro Kecil dan Menengah (UMKM) Pada PT Bank Riau Kepri Provinsi Riau

Abstract

Bank as intermediary institution is a connector which confront between creditor who has surplus fund and saving their fund at the bank to debtor in credit form. One of credit offer is Micro Small and Medium Bussines’s credit. The purpuse of this research is to analyse how the effect from Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Return On Asset (ROA),and Non Performing Loan (NPL) to credit offer Micro Small and Medium Bussines (UMKM) in PT Bank Riau Kepri Province of Riau during first quarterly of 2007 until fourth quarterly of 2011. The method of analysis is double linier regression and the hypothesis test is using t – test to discover the effect of every variables as partially, and F –test to detect the effect as simultaneously with 5 % of significant rate. Based on the research, the result of analysis in period research conclude follows : as simultaneously, Third Party Fund (DPK), Capital Adequacy Ratio (CAR), Return On Asset (ROA), and Non Performing Loan (NPL) give significant effect to credit offer in PT Bank Riau Kepri Province of Riau. According partial test, Third Party Fund (DPK)Return On Asset (ROA), and Non Performing Loan (NPL) do not give the significant effect to credit offer of Micro Small and Medium Bussines’s credit in PT Bank Riau Kepri Province of Riau, whereas Capital Adequacy Ratio (CAR) give significant and negative impact to credit offer of Micro Small and Medium Bussines’s credit .