Determinan Penyaluran Kredit Konsumsi pada Bank Konvensional

Hendro Wibowo, - Sutrisno

Abstract


Abstract

The aim of this research is to investigate variables affected to con-sumption credit distribution to the consumersof conventional banks in Daerah Istimewa Yogyakarta (DIY/Special Province of Yogyakarta); those variables includes Loan to Value(LTV), Third Party Funds (DPK), Non-Performing Loan (NPL), and inflation. The objects of this research are all conventional banks in DIY consist of 48 banks. The data usage is monthly data from 2010-2013 that was analyzed based on multiple linear regression. The findings show that LTV provide af-fects negative significantly towards distribution of consumption credit. Furthermore, DPK affects positive significantly towards credit distri-bution. NPL and inflation affect not significantly towards consumption credit.

Abstrak

Penelitian ini bertujuan untuk mengetahui variabel-variabel yang mem- pengaruhi penyaluran kredit konsumsi bank umum konvensional di Daerah Istimewa Yogyakarta (DIY) yang meliputi rasio (Loan to Value) LTV, Dana Pihak Ketiga (DPK), Non Performing Loan (NPL), dan inflasi. Objek penelitian ini adalah seluruh bank umum konvensional di DIY sebanyak 48 Bank. Data penelitian yang digunakan adalah data tahun 2010-2013 (secara bulanan) yang dianalisis dengan menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa LTV berpengaruh signifikan negatif terhadap penyaluran kredit konsumsi, sementara DPK berpengaruh signifikan positif terhadap penyaluran kredit konsumsi, sedangkan NPL dan inflasi berpengaruh tidak signifikan terhadap penyaluran kredit konsumsi.



Keywords


Loan to Value (LTV); Non Performing Loan (NPL); Inflation; Third party funds; Consumer lending

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