Pengaruh Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), dan Suku Bunga Kredit Terhadap Penyaluran Kredit Pada Bank Pemerintah

Abstract

This research was done as national is Indonesian on March 2008 until December 2011. This research purpose to know how i nfluence Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and Credit Rate to channelization credit in Bank of Governme nt, especially for BRI and BNI bank. The data used in this research is secondary data was found from concerned instance, Bank Indonesia, BRI, and BNI. Analysis data used analize multiple regression linier . Result from this research indicate that contained in influence both of Loan to Deposit Ratio, Capital Adequacy Ratio, and Credit Rate to channelization credit at BRI as simultaneously. As partial, CAR and credit rate influence to channelization credit in Bank of Government, especially in this bank BRI and BNI, that CAR variable influence positive significance to channelization credit BRI and BNI, it mean that each acession or decline in CAR, then would be follow with acession or decline channelization credit at BRI and BNI. Credit rate variable influence negative significance to channelization credit, it mean each acession credit rate accordingly decline to channelization credit BRI and BNI, or the oth er way and when decline of credit rate happen , then woul d be follow with acession in channelization credit. LDR variable was not influenced to channelization credit at BRI and BNI, because work of LDR was not yet including and so far from Bank Indonesia hapless, that decide LDR’s level for bank more than 80 %.