Pengaruh Faktor Internal Bank Terhadap Jumlah Kredit Yang Disalurkan Perbankan di BEI

Authors

  • Suci Rahmadini Program Studi Akuntansi, Fakultas Ekonomi, Universitas Pasir Pengaraian
  • Arma Yuliza Program Studi Akuntansi, Fakultas Ekonomi, Universitas Pasir Pengaraian
  • Fefti Yulian Mela Program Studi Akuntansi, Fakultas Ekonomi, Universitas Pasir Pengaraian

DOI:

https://doi.org/10.31004/edp.v3i3.178

Keywords:

Internal Bank Factors, Loan Disbursement, TPF, CAR, LDR, ROA, NPL, BOPO

Abstract

This study aims to analyze the effect of internal bank factors—namely Third-Party Funds (TPF), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Non-Performing Loans (NPL), and Operating Expenses to Operating Income (BOPO)—on the amount of loans disbursed by banking companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. This study employed a quantitative approach using secondary data from annual financial statements. The sampling technique applied was the census method covering 47 banking companies, resulting in 141 panel-data observations over three years of observation. Data were analyzed using multiple linear regression with the assistance of SPSS version 26. The results show that, partially, TPF, CAR, LDR, ROA, NPL, and BOPO all have a positive and significant effect on the amount of loans disbursed. Simultaneously, the six variables also have a significant effect on the amount of loans disbursed, with an Adjusted R Square value of 0.823, meaning the six variables explain 82.3% of the variation in loans disbursed, while the remaining 17.7% is influenced by other factors outside the research model.

References

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Published

2026-07-31

How to Cite

Rahmadini, S., Yuliza, A., & Mela, F. Y. (2026). Pengaruh Faktor Internal Bank Terhadap Jumlah Kredit Yang Disalurkan Perbankan di BEI. Journal of Exploratory Dynamic Problems, 3(3), 412–419. https://doi.org/10.31004/edp.v3i3.178

Issue

Vol. 3 No. 3 (2026): No.3 Vol.3 2026

Section

Articles

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