PENGARUH DANA PIHAK KETIGA (DPK), NON PERFOMING LOAN (NPL) DAN MODAL TERHADAP PENYALURAN KREDIT DAN PROFITABILITAS PADA PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) TAHUN 2011 – 2015

Abstract

Bank is a financial institution whose main activity is collecting funds from the
community and channeling the funds back to the community and providing other
Bank services. The Bank is also an industry that in its business activities rely on
public trust so that it is obliged to maintain bank soundness. The purpose of this
research is to test and analyze the influence of third party fund, NPL, capital to credit
distribution. To test and analyze the effect of third party funds, NPLs, capital and
lending to profitability.
Population in this research is banking company that listed in BEI year 2011-
2015, while the sample is 29 bank obtained by purposive sampling sampling
technique. The type of data used is secondary data with data collection method
documentation. The analysis tool used is path analysis.
The results of this study are: Third party funds have a positive effect on lending.
NPLs have a negative effect on lending. Capital does not affect credit disbursement.
Third party funds have a positive effect on profitability. NPL negatively affects
profitability. Capital has no effect on profitability. Loan disbursement positively
affects profitability.
Keywords: Third Party Fund, NPL, Capital, Credit Disbursement and Profitability.