The Effect of Bank’s Internal Financial Ratio on Lending in Indonesia Conventional Commercial Banks: Book IV Category

Fitri Karostiana, Sugeng Riadi

2021

Abstract

The purpose of this study is to analyze the effects of Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), Loan Deposit Ratio (LDR), Return on Asset (ROA), Non-Performing Loans (NPL) on Lending. The object of this research is an Indonesia conventional commercial bank (book IV category) for the period 2012 – 2019. The sampling technique uses a purposive sampling method with a sample size of 5 banks, namely Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), Bank Mandiri, Bank Central Asia (BCA), Bank CIMB Niaga. The number of research samples used was 40 samples. This study is using multiple regression analysis with T test and F test, Hypothesis testing methods used with IBM SPSS 26. The results showed that DPK, CAR and ROA partially had a positive effect on lending, while LDR and NPL partially had no positive effect on lending. DPK, CAR, LDR, ROA, NPL simultaneously effect on lending.

Paper Citation

in Harvard Style

Karostiana F. and Riadi S. (2021). The Effect of Bank’s Internal Financial Ratio on Lending in Indonesia Conventional Commercial Banks: Book IV Category. In Proceedings of the 3rd International Conference on Applied Economics and Social Science - Volume 1: ICAESS, ISBN 978-989-758-605-7, pages 9-18. DOI: 10.5220/0010860000003255

in Bibtex Style

@conference{icaess21,
author={Fitri Karostiana and Sugeng Riadi},
title={The Effect of Bank’s Internal Financial Ratio on Lending in Indonesia Conventional Commercial Banks: Book IV Category},
booktitle={Proceedings of the 3rd International Conference on Applied Economics and Social Science - Volume 1: ICAESS,},
year={2021},
pages={9-18},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0010860000003255},
isbn={978-989-758-605-7},
}

in EndNote Style

TY - CONF

JO - Proceedings of the 3rd International Conference on Applied Economics and Social Science - Volume 1: ICAESS,
TI - The Effect of Bank’s Internal Financial Ratio on Lending in Indonesia Conventional Commercial Banks: Book IV Category
SN - 978-989-758-605-7
AU - Karostiana F.
AU - Riadi S.
PY - 2021
SP - 9
EP - 18
DO - 10.5220/0010860000003255