首页> 外文期刊>Universal Journal of Accounting and Finance >The Effect of BI Rate, Exchange Rate, Inflation and Third Party Fund (DPK) on Credit Distribution and Its Impact on Non Performing Loan (NPL) on XYZ Commercial Segment Bank
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The Effect of BI Rate, Exchange Rate, Inflation and Third Party Fund (DPK) on Credit Distribution and Its Impact on Non Performing Loan (NPL) on XYZ Commercial Segment Bank

机译:双率,汇率,通货膨胀和第三方基金(DPK)对XYZ商业部门银行信用分配及其对非履行贷款(NPL)的影响

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摘要

Along with the level of development of the times, the development of the business world in Indonesia has entered the era of globalization which has resulted in the opening of markets in Indonesia to compete with foreign competitors through trade. Based on the financial ratios and policies of banks that want to review the health of their banks, the measures that must be considered are Macroeconomics, namely the exchange rate, inflation, Central Bank of Indonesia (BI) rate, lending, namely the size of the value of the credit channeled, Collectability is the size of Non-Performing Loans (NPL) and Fund Raising. The Purpose of This Research is to Influence BI Rate, Exchange Rates, Inflation and Third Party Funds (DPK) On Credit Distribution and the Impact on Non-Performing Loans (NPL) At Bank XYZ Commercial Segment. The research method used is a method with a quantitative research approach, while the type of research is descriptive and verification research. To test the research hypothesis, the Path Analysis method is used. Partially the BI rate and Third Party Funds (DPK) have a significant effect on lending, while the exchange rate and inflation have insignificant effects on lending at the commercial segment Bank of XYZ. In addition, the exchange rate and DPK have a significant influence on NPL, while the BI rate, inflation and lending have not significant influence on NPL in the commercial segment Bank of XYZ.
机译:随着时期的发展水平,印度尼西亚商业世界的发展已进入全球化的时代,这导致印度尼西亚市场开放,通过贸易与外国竞争对手竞争。基于希望审查银行健康的银行的财务比率和政策,必须考虑的措施是宏观经济,即印度尼西亚(BI)汇率,贷款,贷款,即大小的汇率,通货膨胀,即规模信贷渠道的价值,可集体是不良贷款(不良贷款)和筹资的规模。本研究的目的是影响信用分配的双税率,汇率,通货膨胀和第三方基金(DPK)以及银行XYZ商业部门对非履行贷款(NPL)的影响。使用的研究方法是一种具有定量研究方法的方法,而研究类型是描述性和验证研究。为了测试研究假设,使用路径分析方法。部分双息和第三方资金(DPK)对贷款产生重大影响,而汇率和通货膨胀对XYZ商业分部银行贷款的影响是微不足道的影响。此外,汇率和DPK对NPL产生了重大影响,而BI率,通货膨胀和贷款对XYZ商业分部库中的NPL对NPL没有显着影响。

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