ANALISIS PENGARUH DPK, NPL, DAN ROA TERHADAP PENYALURAN KREDIT BPR DI KABUPATEN KEDIRI PERIODE 2014-2018

Abstract

Essentially, the bank is financial institution which has the function to raise funds from the
community in the form of deposits, and the channel it back to the community in the form of credit
or other. Credits is the main activities performed by Bank Perkreditan Rakyat, because it will be
makes a profit. However, the presenting credits will also provide a lot of risks that must be
received or experienced by the BPR, because the risks that will be received or experienced are
sourced to credit. Therefore, this researh is purpose to analys the effect of DPK, NPL, and ROA,
on parcial althought simultan in contribute BPR credits. This researh conducted is quantitative
approach use data panel regression method, and the data obtained are secondary data.
According to the results of regression, the variables DPK and ROA have a significant influence
on credit distribution. While, the NPL variable doesn’t have a significant influence on credit
distribution.