PENGARUH PERTUMBUHAN EKONOMI KREDIT NON LANCAR DAN TINGKAT SUKU BUNGA TERHADAP PENYALURAN KREDIT BANK UMUM KALIMANTAN BARAT

Abstract

Credit distribution is the distribution of funds from the banks against any individual or institution to improve production . Lending done by banks is influenced by external and internal factors . External factors such as the economic condition of the debtor and the views of economic growth , while the internal factor can be measured by deposits, CAR, NPL, ROA, and LDR.

This study aimed to examine the effect of simultaneously and partially between economic growth , the non-current loans and interest rates on commercial bank lending in West Kalimantan . Overall object of this study using a commercial bank from year 2003 to 2012 . Data analysis technique used is multiple linear regression , t test for testing while the partial f test for simultaneous testing .

Based on the partial test results , economic growth and a significant negative effect terhdap lending , non -current loans ( NPL ) and no significant negative effect on lending , while lending rates and signigfikan negative effect on lending. Based on simultaneous testing proves that economic growth , non -current loans ( NPLs ) and loan interest rates simultaneously affect the lending of commercial banks in West Kalimantan .

Keywords : Economic Growth , Non -Current Loans , Interest Rate

and Credit Distribution