DETAIL JURNAL
MARULAK SINAMBELA
Vol.8 No.1 Maret 2016
Sekolah Tinggi Ilmu Ekonomi Bulungan Tarakan
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Purpose of this research was to determine the extent to which the relationship of third party funds (TPF) and Non-Performing loans (NPL) to the amount of credit at PT Bank Rakyat Indonesia (Persero) Tbk. Independent variables used in this study is the Third Party Funds (TPF) and non-Performing Loans (NPL) while the dependent variable used in this study is leading.This study uses PT Bank Rakyat Indonesia (Persero) Tbk as an object of research, the study period from 2008-2012. The data used in the study were obtained from PT Bank Rakyat Indonesia (Persero) Tbk Financial Report 2008-2012 period. Methods of data analysis used were multiple linear regression with a significance level of 5%, while the hypothesis test using the t-test to test the effect to partial variables. It also tested the classical assumptions that included tests of normality, multicollinearity test, test of heteroscedasticity and autocorrelation test.From the analysis showed that during the observation period of the study indicate that the data are normally distributed. Based on the test from normality, multicollinearity test, test heteroscedasticity and autocorrelation test found no variables that deviate from the classical assumptions. This shows the available data has been qualified using multiple linear regression equation model. These results indicate that the partical positive significant variable deposits to loans,while the NPL showed no significant effect on lending. Predictive ability of these two variables on the distribution of credit is 99.2% as indicated by the magnitude of adjusted R2, while the remaining 0.8% influenced by other factors not included in the research model.
Keywords: credit, third party funds, non performing loan
