DETERMINASI PENYALURAN KREDIT BANK UMUM DI INDONESIA: PERAN DANA PIHAK KETIGA DAN  LOAN TO DEPOSIT RATIO

Andina Endartika Sari; Tanti Wijaya; Qonita Mashna'ul Azizah; Helda Rivatul Mahmuddah; Diana Pramudya Wardhani

doi:10.31850/ak99.v6i1.4300

Andina Endartika Sari Universitas Muhamadiyah Ponorogo
Tanti Wijaya Universitas Muhamadiyah Ponorogo
Qonita Mashna'ul Azizah Universitas Muhamadiyah Ponorogo
Helda Rivatul Mahmuddah Universitas Muhamadiyah Ponorogo
Diana Pramudya Wardhani Universitas Muhamadiyah Ponorogo

DOI: https://doi.org/10.31850/ak99.v6i1.4300

Keywords: Third Party Funds (DPK), Loan to Deposit Ratio (LDR), Credit Distribution, Commercial Banks

Abstract

This study aims to analyze the influence of Third Party Funds (TPF) and the Loan-to-Deposit Ratio (LDR) on credit disbursement at commercial banks in Indonesia. The study subjects included PT Bank Mandiri (Persero) Tbk, PT Bank Central Asia Tbk, and PT Bank Rakyat Indonesia (Persero) Tbk, with an observation period of 2021–2024. This study employed a quantitative approach with secondary data obtained from each bank's annual financial reports. The analytical method used was multiple linear regression with the aid of SPSS software. The results indicate that, partially, Third Party Funds (TPF) have a positive and significant effect on credit disbursement, and the Loan-to-Deposit Ratio (LDR) also has a positive and significant effect. Simultaneously, both TPF and LDR significantly influence credit disbursement. The coefficient of determination indicates that most of the variation in credit disbursement can be explained by these two variables. This study concludes that increasing the collection of Third Party Funds (TPF) and optimal management of the Loan-to-Deposit Ratio (LDR) play a crucial role in boosting the banking intermediation function in Indonesia.