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Influence of Loan Interest Rate, Non-Performing Loan, Third Party Fund and Inflation Rate towards Micro, Small and Medium Enterprises (MSME) Credit Lending Distribution at Commercial Banks in Indonesia

机译:贷款利率,非履行贷款,第三方基金和通胀率对印度尼西亚商业银行的微,中小企业(MSME)信用贷款分布的影响

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This study employs a quantitative study approach to determine the effect of Loan Interest Rate, Non-Performing Loan (NPL), Third Parties Fund (DPK) and Inflation Rate on Micro, Small and Medium Enterprises (MSME) Credit Lending Distribution of commercial banks listed in Indonesian Stock Exchange during 2013-2015 period. The analysis technique used in this study was multiple linear regression and used secondary data published by Indonesia Stock Exchange. There were 39 samples in this study taken by using purposive sampling technique. The result of the study showed that Loan Interest Rate, Non-Performing Loan (NPL), Third Parties Fund (DPK) and Inflation Rate have simultaneous effect on MSME credit lending distribution of commercial banks in Indonesia. The result defines that only Third Parties Fund has positive significant effect on MSME credit loan. Third Parties Fund has the biggest effect in this study while loan interest rate, NPL, and inflation rate has no effect on MSME credit lending.
机译:本研究采用定量研究方法来确定贷款利率,不良贷款(不良贷款(NPL),第三方基金(DPK)和通货膨胀率在上市的商业银行的信用贷款分布在2013 - 2015年期间的印度尼西亚证券交易所。本研究中使用的分析技术是多元线性回归和由印度尼西亚证券交易所发布的二级数据。本研究中有39个样品采用目的采样技术采取。该研究结果表明,贷款利率,不良贷款(NPL),第三方基金(DPK)和通胀率对印度尼西亚商业银行的MSME信用贷款分配同时发生。结果界定了只有第三方基金对MSME信用贷款有积极的重大影响。第三方基金在本研究中具有最大的效果,而贷款利率,NPL和通货膨胀率对MSME信用贷款没有影响。

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