第三方资金对国有民营商业银行贷款的影响

Didin Rasyidin Wahyu, Herna Setiawati
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摘要

本研究旨在确定2014-2019年期间在印度尼西亚证券交易所(IDX)上市的国家私人商业银行的自变量(经常账户,储蓄和存款)是否对因变量(信贷分布)产生影响。本研究采用的研究方法是定量方法,本研究使用的样本为一家全国性民营上市银行公司,共确定7家全国性民营银行公司作为样本,抽样技术采用有目的抽样法。采用的数据均为公司财务报表形式的二手数据,分析采用多元线性回归分析。结果表明,活期存款对信贷分配存在部分影响,储蓄对信贷分配存在影响,存款对信贷分配存在影响。同时(合在一起)活期存款、储蓄存款和存款对信贷分配有影响。储蓄对信用分配有影响,存款对信用分配有影响。同时(合在一起)活期存款、储蓄存款和存款对信贷分配有影响。储蓄对信用分配有影响,存款对信用分配有影响。同时(合在一起)活期存款、储蓄存款和存款对信贷分配有影响。
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Effect Of Third Party Funds On Lending To National Private Commercial Banks
: This study aims to determine whether there is an influence between the independent variables (Current Accounts, Savings, and Deposits) on the dependent variable (Credit Distribution) at the National Private Commercial Banks listed on the Indonesia Stock Exchange (IDX) for the period 2014-2019. The research method used in this study is a quantitative method, the sample used in this study is a national private public banking company, a total of 7 national private banking companies are determined as a sample, the sampling technique is done using the Purposive Sampling method . The data used are secondary data in the form of company financial statements, analysis using Multiple Linear Regression analysis. The results showed that partially there is an influence of Demand Deposits on Credit Distribution, there is an effect of Savings on Credit Distribution and there is an influence of Deposits on Credit Distribution. While simultaneously (together) there is the influence of Demand Deposits, Savings, and Deposits on Credit Distribution. there is an effect of Savings on Credit Distribution and there is an influence of Deposits on Credit Distribution. While simultaneously (together) there is the influence of Demand Deposits, Savings, and Deposits on Credit Distribution. there is an effect of Savings on Credit Distribution and there is an influence of Deposits on Credit Distribution. While simultaneously (together) there is the influence of Demand Deposits, Savings, and Deposits on Credit Distribution.
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