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All Journal International Journal of Accounting & Finance in Asia Pasific Journal of International Conference Proceedings
Ni Wayan Sulistiyani
Universitas Mahasaraswati Denpasar
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media

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Lending Growth Determinant on Rural Banks in Denpasar Ni Wayan Sulistiyani; Agus Wahyudi Salasa Gama; Ni Putu Yeni Astiti
International Journal of Accounting & Finance in Asia Pasific (IJAFAP) Vol 2, No 2 (2019): International Journal of Accounting & Finance in Asia Pasific (IJAFAP)
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (159.058 KB) | DOI: 10.32535/ijafap.v2i2.539

Abstract

This study aims to examine the determinant of lending growth on rural bank in Denpasar. the determinant of lending growth consists of Third-Party Funds, Capital Adequacy Ratio, NonPerforming Loans, Loan to Deposit Ratio, and Return on Assets. In this study there were 18 rural banks being sampled this research was conducted in three years of observation, from 2016 to 2017. Data analysis techniques used in this study are multiple linear regression. The results of the study show that Third Party Funds and Loan to Deposit Ratio can affect lending growth positively and significantly. while the Capital Adequacy Ratio, Non-performing Loans, and Return on Assets are not able to influence lending growth in rural banks in Denpasar. Keywords: Lending Growth, Rural Banks, Capital Adequacy, Non-Performing Loan
EFFECT OF THIRD PARTY FUNDS GROWTH, CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO AND RETURN ON ASSETS ON CREDIT IN GROWTH RURAL BANKS IN DENPASAR Ni Wayan Sulistiyani; Agus Wahyudi Salasa Gama; Ni Putu Yeni Astiti
Journal of International Conference Proceedings (JICP) Vol 2, No 1 (2019): Proceedings of the 3rd International Conference of Project Management (ICPM) Bal
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (17.837 KB) | DOI: 10.32535/jicp.v2i1.392

Abstract

This study aims to examine the factors that influence bank lending such as Third Party Funds, Capital Adequacy Ratio, Non Performing Loans, Loan To Deposit Ratio, and Return On Assets towards bank lending. The population of this study is Rural Banks in Denpasar City for the period 2016-2017. In this study the method of determining the sample used is saturated sample. The analysis technique used is multiple linear regression, and hypothesis testing using the -t test to test the partial regression coefficient, and the -f test to test the effect together with the level of 5% . Besides that, a classic assumption test was also conducted which included normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. The results showed Third Party Funds and Loan To Deposit Ratio, have a positive and significant effect on bank lending. Third, Capital Adequacy Ratio, Non Performing Loans and and Return On Assets have a negative and significant effect on bank lending.
Co-Authors Agus Wahyudi Salasa Gama Ni Putu Yeni Astiti