Analisis Pengaruh Variabel Internal Bank dan Kebijakan Moneter terhadap Penyaluran Kredit Perbankan pada BUSN Devisa dan BUSN Non Devisa Periode Tahun 2012-2016



Commercial bank’s lending is an activity that increases profitability for banks and becomes the stimulate of
economic growth in a country. The aim of this research is to understand the influence of Operating Costs and
Operating Incomes, Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, Return on Assets,
lending rates, interest rates, inflation, and deposits on commercial bank’s lending in national private-foreign
exchange commercial bank and national private-non foreign exchange commercial bank go public period year
2012-2016. This research used quantitative and causal research approach. The sample used was 29 banks with
purposive sampling method. The methods of data analysis used was a multiple linear regression with SPSS software.
The result of this study shows that Operating Costs and Operating Incomes, LDR, and deposits have a positive and
significant influence on commercial bank’s lending. CAR has a negative and significant influence on commercial
bank’s lending. NPL, ROA, lending rates, interest rates, and inflation have no influence on commercial bank’s
lending. It happened because the average value of NPL is low, the profit is more allocated to operational cost, the
movements of the average value of lending rates from year to year tend to be consistent, interest rates doesn’t
directly influence on commercial bank’s lending, and the inflation rate is low. Banks should pay more attention to
Operating Costs and Operating Incomes, CAR, LDR, and deposits movements when they lend their money.
Keywords: commercial bank’s lending, operating costs and operating incomes, capital adequacy ratio, loan to
deposit ratio, deposits.

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