Analisis Faktor-Faktor yang Mempengaruhi Kredit di Bank BJB Periode 2019-2023

Abstract

This research aims to understand the factors that influence credit, namely Third Party Funds, Non-Performing Loans, Capital Adequacy Ratio, and Interest Rates. The research object in this report is an analysis of the factors that influence Bank BJB periode 2019-2023 credit. The type of research used is descriptive quantitative, the type of data is secondary data and uses data collection techniques in the form of documention, interview, and literature study. Meanwhile, the technique for taking it is from financial reports published on the website https://www.bankbjb.co.id. Data analysis and hypothesis testing uses coefficient of determination analysis and t test. The results of the research show that there is a significant influence between DPK on lending at Bank BJB by 94.84%, there significant influence between NPL and lending to Bank BJB for by 44.5%, there is no significant influence between CAR on lending to Bank BJB by 3.01%, there is no significant influence between the interest rate on lending to Bank BJB by 3, 18%.