PENGARUH UKURAN BANK, NET INTEREST MARGIN (NIM),iCAPITAL ADEQUACYiRATIO (CAR), NONiPERFORMING LOAN (NPL), DANiLOAN TO DEPOSITiRATIO (LDR) TERHADAPiPENYALURAN KREDITiUMKM: BANK KONVENSIONAL DIiINDONESIA
Keywords:
Bank size, NetiInterest Margin (NIM), CapitaliAdequacy Ratio (CAR), Non-PerformingiLoans (NPL), Loanito DepositiRatio (LDR)Abstract
The data collected isisecondary dataiin theiform of conventional bank annualireports for 2017-2021.
The research populationiis conventional commercialibanks thatihave goneipublic in Indonesiaiin 2017-2021. The sampling technique in this research uses a saturated sampling method, withia total of 39 samples of banking companies with certain criteria. This research uses statistical testidata analysisitechniques, classicaliassumption tests, and multipleilinear regressionianalysis tests.
Theiresearch resultsishow that the variables Bank Size, NetiInterestiMargin (NIM), andiCapital AdequacyiRatio haveia positiveiand significantieffect on MSMEicredit distributioniat CommercialiBanks iniIndonesia in 2017-2021 and the research results ofithe NoniPerforming Loan (NPL) variable have a negative andisignificant effection MSME credit distributionito Commercial Banksiin Indonesia in 2017-2021. Meanwhile, the research results of theiLoan toiDeposit Ratio (LDR) variable haveia positiveiand insignificantieffect oniMSME creditidistribution atiConventional CommercialiBanks in Indonesia in 2017-2021.
