Daffa Umarsyah Putera, . (2026) PENGARUH RISIKO KREDIT, LIKUIDITAS, DAN KECUKUPAN MODAL TERHADAP PENYALURAN KREDIT PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
This study aims to empirically prove the effect of credit risk, liquidity, and capital adequacy on credit distribution. This issue is raised due to inconsistencies in previous research findings regarding the internal determinants of banking credit policies. The research method used is quantitative, with a panel data regression approach using the Fixed Effect Model (FEM) adjusted with Cluster-Robust Standard Errors to address heteroscedasticity and autocorrelation issues. The research sample consists of 44 commercial banks listed on the Indonesia Stock Exchange (IDX) for the 2021–2025 period, selected through a purposive sampling technique, resulting in 220 observation units. The results of the analysis show that credit risk (Non-Performing Loan/NPL) has a negative but insignificant effect on credit distribution, indicating mature risk management so that NPL fluctuations do not directly disrupt the intermediation function of the sample banks. Conversely, liquidity (Loan to Deposit Ratio/LDR) has a significant positive effect, reflecting the optimization of public funds turnover into productive loans. Meanwhile, capital adequacy (Capital Adequacy Ratio/CAR) has a significant negative effect due to the over-capitalization phenomenon that triggers more conservative management behavior. The coefficient of determination indicates that the model is able to explain 49.19% of the variation in credit distribution. The conclusion of the study emphasizes the importance of maintaining a balance of internal financial ratios to optimize the banking intermediation function.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | [No. Panggil: 2210112224] [Pembimbing: Satria Yudhia Wijaya] [Penguji 1: Andy Setiawan] [Ketua Penguji: Husnah Nur Laela Ermaya] |
| Uncontrolled Keywords: | Credit Distribution, Credit Risk (NPL), Liquidity (LDR), Capital Adequacy (CAR). |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HJ Public Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Akuntansi (S1) |
| Depositing User: | DAFFA UMARSYAH PUTERA |
| Date Deposited: | 08 Sep 2026 01:47 |
| Last Modified: | 08 Sep 2026 01:47 |
| URI: | http://repository.upnvj.ac.id/id/eprint/51320 |
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