Dinasti International Journal of Digital Business Management
Vol 3 No 2 (2022): Dinasti International Journal of Digital Business Management (February - March 20

INDONESIAN BANKING STRATEGY IN IMPROVING CREDIT DISTRIBUTION

Aviliani Aviliani (Perbanas Institute, Jakarta, Indonesia)



Article Info

Publish Date
10 Feb 2022

Abstract

This research is performed in order to test the influence of the variable Third-party Funds, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Operational Efficiency Ratio toward Credit Distribution at Banking in Indonesia. The data used in this research was obtained from the annual financial report data period 2015-2019. The sample used in this research is 10 General Bank of 43 General Bank at Indonesian Stock Exchange. The results show that the Third-party Funds, CAR, NPL, LDR, and Operational Efficiency Ratio against credit distribution. The results show that the partial of five variables that influence are variable Third-party Funds significantly, Capital Adequacy Ratio significantly, and Operational Efficiency Ratio significantly, While variable Non Performing Loan did not influence significantly, and Loan to Deposit Ratio did not influence significantly to credit distribution.

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Journal Info

Abbrev

DIJDBM

Publisher

Subject

Decision Sciences, Operations Research & Management

Description

Dinasti International Journal of Digital Business Management (DIJDBM) provides widespread coverage of high quality research in a broad range of topics such as digital business management science and technology advancements, and establishing new collaborations in these areas. Original research ...