Analisis Pengaruh ROA, CAR, NPL Dan LDR Terhadap Pemberian Kredit Sektor Perbankan

Abstract

Business competition is getting tougher demands banks
to improve their performance in order to attract investors.
Investors invest funds require prior information about the
company's performance. Objects in this study is a manufacturing
company in Indonesia Stock Exchange. IDX is considered to
represent the Indonesian capital market, so that the findings in this
study are considered as the findings of the case in Indonesia . The
population in this study is a banking company that is listed on the
Indonesia Stock Exchange ( IDX ) in the period of study (2010-
2012) . Based on these criteria, the number of samples used in this
study were 10 banking companies. Based on the results of
statistical analysis and discussion of the Return On Assets ( ROA )
has a positive and significant impact on bank lending in the ten
largest banks listed on the Stock Exchange. Non Performing Loans
(NPL) and Loan to Deposit Ratio (LDR) has a negative and
significant effect on bank lending in the ten largest banks listed on
the Stock Exchange. Capital Adequacy Ratio (CAR) had no
significant effect on bank lending in the ten largest banks listed on
the Stock Exchange .

Keyword: Return On Assets (ROA), Capital Adequacy Ratio
(CAR), Non Performing Loans (NPL), Loan to Deposit Ratio
(LDR), Bank Lending.