PENGARUH INFLASI, SUKU BUNGA, NON-PERFORMING LOAN (NPL), CAPITAL ADEQUACY RATIO (CAR), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PENYALURAN KREDIT USAHA MIKRO BANK BUMN TAHUN 2017-2024

RIDHA, ALFIYANTI (2025) PENGARUH INFLASI, SUKU BUNGA, NON-PERFORMING LOAN (NPL), CAPITAL ADEQUACY RATIO (CAR), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP PENYALURAN KREDIT USAHA MIKRO BANK BUMN TAHUN 2017-2024. Skripsi thesis, Institut Teknologi Dan Sains Mandala Jember.

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Abstract

ABSTRACT This study aims to analyze the effect of inflation, interest rates, non-performing loans (NPL), capital adequacy ratio (CAR), and loan-to-deposit ratio (LDR) on microcredit disbursement in state-owned banks from 2017 to 2024. A quantitative research method was used, utilizing secondary data obtained from official publications such as the annual reports of Bank Indonesia (BI), the Financial Services Authority (OJK), the Ministry of Finance, and the financial reports of state-owned banks. The data were analyzed using multiple regression analysis with 32 samples. The results showed that Inflation and the Capital Adequacy Ratio (CAR) did not have a significant partial effect on microcredit disbursement. The BI Interest Rate, Non-Performing Loans (NPL), and the Loan-To-Deposit Ratio (LDR) partially influenced microcredit disbursement. Simultaneously, inflation, interest rates, Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), and Loan-To-Deposit Ratio (LDR) influenced microcredit disbursement by state-owned banks from 2017 to 2024. Keywords: Inflation, Interest Rates, Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan-to-Deposit Ratio (LDR). Microcredit Disbursement by State-owned Banks

Item Type: Thesis (Skripsi)
Subjects: H Social Sciences > H Social Sciences (General)
Divisions: AKUNTANSI-S1
Depositing User: Perpustakaan Mandala
Date Deposited: 24 Apr 2026 08:35
Last Modified: 24 Apr 2026 08:42
URI: http://repo.itsm.ac.id/id/eprint/1820

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