Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL) Terhadap Tingkat Penyaluran Kredit pada Bank-Bank Umum Di Indonesia
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
UNIVERSITAS SUMATERA UTARA
FAKULTAS EKONOMI
MEDAN
PENANGGUNG JAWAD SKRIPSI
Nama
NIM
Departemen
Konsentrasi
Judul Skripsi
Tanggal,
: IndahLestari
: 030501063
: Ekonomi Pembangunan
: Ekonomi Moneter dan Bank
: AnalisisPengaruh CapitalAdequacy Ratio (CAR) dan Non
Performing Loan (NPL) Terhadap TingkatPenyaluran Kredit
Pada Bank-Bank Umum Di Indonesia
07 'J LlLI 2007
Pembimbing
I
\"r_----\
Drs . Samad Zaino MS
NIP. 130517476
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
ABSTRACT
This thesis be entitled " The Analysis of the Influence of CapitalAdequacy
the ratio (CAR) and Non Performing Loan (NPL) towards the Level 0/ the
Chtlllnelling of Credit to the Public's banks in Indonesia ". This research had a
purpose to know how the CAR influence and NPL on the amount of credit that was
distributed by the bank-the public's bank in Indonesia.
The data that was used in this research was the data time series from 20012005 (in quarterly) and the analysis method of the data that was used was the model
Ordinary Least Square. Was based on the interpretation of the model showed that
CAR was influential the negative towards the amount of credit that was distributed by
the bank-the public's bank in Indonesia. NPL was influential the negative towards the
amount of credit that was distributed by the bank-the public's bank in Indonesia.
Results of regression showed that the CAR variable and NPL together-equally
influential significant towards the amount of credit that was distributed by the bankbank the public in Indonesia in the level of reliability 95 % (6. '" 5 %).
Key word: CapitalAdequacy Ratio (CAR) and Non Performing Loan (NPL)
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
i
ABSTRAK
Skripsi ini berjudul " Analisis Penga,uh Capital Adequacy Ratio (CAR) dan
Non Perfo,ming Loan (NPL) Te,hadap Tingkat Penyaluran K,edit Pada BankBank Umum di Indonesia ". Penelitian ini bertujuan untuk mengetahui bagaimana
pengaruh CAR dan NFL terhadap jumlah kredit yang disaiurkan oleh bank-bank
umum di Indonesia.
Data yang digunakan dalam penelitian ini adalah data time series dati taboo
2001-2005 (dalam triwulan) dan metode analisis data yang digunakan adalah model
kuadrat terkecil biasa(Ordinary Least Square).Berdasarkan interpretasi model
menunjukkan bahwa CAR berpengaruh negatif terhadap .jumlah kredit yang
disalurkan oleh bank-bank umum di Indonesia. NFL berpengaruh negatif terhadap
jumlah kredit yang disalurkan oleh bank-bank umum ill Indonesia.
Hasil regresi menunjukkan bahwa variabel CAR dan NFL secara bersamasama berpengaruh signifikan terhadap jumlah kredit yang disalurkan oleh bank-bank
umum ill Indonesia pada tingkat kepercayaan 95 % (0. = 5 %).
Kata kunci : CapitalAdequacy Ratio (CAR) dan Non Perfo,ming Loan (NPL)
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
ii
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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UNIVERSITAS SUMATERA UTARA
FAKULTAS EKONOMI
MEDAN
PENANGGUNG JAWAD SKRIPSI
Nama
NIM
Departemen
Konsentrasi
Judul Skripsi
Tanggal,
: IndahLestari
: 030501063
: Ekonomi Pembangunan
: Ekonomi Moneter dan Bank
: AnalisisPengaruh CapitalAdequacy Ratio (CAR) dan Non
Performing Loan (NPL) Terhadap TingkatPenyaluran Kredit
Pada Bank-Bank Umum Di Indonesia
07 'J LlLI 2007
Pembimbing
I
\"r_----\
Drs . Samad Zaino MS
NIP. 130517476
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
ABSTRACT
This thesis be entitled " The Analysis of the Influence of CapitalAdequacy
the ratio (CAR) and Non Performing Loan (NPL) towards the Level 0/ the
Chtlllnelling of Credit to the Public's banks in Indonesia ". This research had a
purpose to know how the CAR influence and NPL on the amount of credit that was
distributed by the bank-the public's bank in Indonesia.
The data that was used in this research was the data time series from 20012005 (in quarterly) and the analysis method of the data that was used was the model
Ordinary Least Square. Was based on the interpretation of the model showed that
CAR was influential the negative towards the amount of credit that was distributed by
the bank-the public's bank in Indonesia. NPL was influential the negative towards the
amount of credit that was distributed by the bank-the public's bank in Indonesia.
Results of regression showed that the CAR variable and NPL together-equally
influential significant towards the amount of credit that was distributed by the bankbank the public in Indonesia in the level of reliability 95 % (6. '" 5 %).
Key word: CapitalAdequacy Ratio (CAR) and Non Performing Loan (NPL)
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
i
ABSTRAK
Skripsi ini berjudul " Analisis Penga,uh Capital Adequacy Ratio (CAR) dan
Non Perfo,ming Loan (NPL) Te,hadap Tingkat Penyaluran K,edit Pada BankBank Umum di Indonesia ". Penelitian ini bertujuan untuk mengetahui bagaimana
pengaruh CAR dan NFL terhadap jumlah kredit yang disaiurkan oleh bank-bank
umum di Indonesia.
Data yang digunakan dalam penelitian ini adalah data time series dati taboo
2001-2005 (dalam triwulan) dan metode analisis data yang digunakan adalah model
kuadrat terkecil biasa(Ordinary Least Square).Berdasarkan interpretasi model
menunjukkan bahwa CAR berpengaruh negatif terhadap .jumlah kredit yang
disalurkan oleh bank-bank umum di Indonesia. NFL berpengaruh negatif terhadap
jumlah kredit yang disalurkan oleh bank-bank umum ill Indonesia.
Hasil regresi menunjukkan bahwa variabel CAR dan NFL secara bersamasama berpengaruh signifikan terhadap jumlah kredit yang disalurkan oleh bank-bank
umum ill Indonesia pada tingkat kepercayaan 95 % (0. = 5 %).
Kata kunci : CapitalAdequacy Ratio (CAR) dan Non Perfo,ming Loan (NPL)
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
ii
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
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USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
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USU e-Repository © 2008
Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
USU e-Repository © 2008
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USU e-Repository © 2008
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USU e-Repository © 2008
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USU e-Repository © 2008
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USU e-Repository © 2008
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Indah Lestari : Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan(NPL)..., 2007.
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