?url_ver=Z39.88-2004&rft_id=1811031063&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=FAKTOR-FAKTOR+YANG+MEMPENGARUHI+JUMLAH+KREDIT+YANG+DISALURKAN+PADA+MASA+PANDEMI+COVID-19%0D%0A%0D%0A(Studi+Empiris+Pada+Bank+Umum+Konvensional+Indonesia+Di+Tahun+2020-%0D%0A2021)%0D%0A&rft.creator=+nyomandwi0%40gmail.com%2C+NI+NYOMAN+DWI+ANJANI+PUTRI&rft.subject=330+Ekonomi&rft.description=Penelitian+ini+bertujuan+untuk+mengetahui+faktor-faktor+apa+saja+yang+mempengaruhi+jumlah+kredit+yang+disalurkan+oleh+bank+umum+konvensional+Indonesia.+Penelitian+dilakukan+menggunakan+metode+deskriptif+kuantitatif.+Data+yang+digunakan+ialah+data+sekunder+yang+berupa+laporan+keuangan+perusahaan+yang+dapat+diakses+pada+website+perusahaan.+Sampel+penelitian+berupa+98+perusahaan+perbankan+konvensional+yang+terdaftar+dalam+Otoritas+Jasa+Keuangan.+Metode+analisis+yang+digunakan+dalam+penelitian+ini+ialah+analisis+statistik+deskriptif%3B+uji+asumsi+klasik%3A+uji+normalitas%2C+uji+heteroskedastisitas%2C+dan+uji+multikolineritas%3B+uji+hipotesis%3A+analisis+regresi+berganda%2C+uji+t%2C+uji+f%2C+pearson+correlation%2C+dan+koefisien+determinasi.+Hasil+penelitian+ini+menunjukan+bahwa+terdapat+3+faktor+dari+5+faktor+yang+diteliti+mempengaruhi+jumlah+kredit+yang+disalurkan.++Capital++Adequacy++Ratio++(CAR)%2C++Net++Interest++Margin++(NIM)%2C++dan+Return+On+Asset+(ROA)+memiliki+pengaruh+positif+signifikan+terhadap+jumlah+kredit+yang+disalurkan.+Sedangkan+untuk+Beban+Operasional+Pendapatan+Operasional+(BOPO)+memiliki+pengaruh+yang+positif+namun+tidak+signifikan%2C+sedangkan+untuk+variabel+Loan+to+Deposit+Ratio+(LDR)+memiliki+pengaruh+negative+namun+tidak+signifikan.%0D%0A%0D%0A%0D%0A%0D%0A%0D%0AKata+kunci%3A+Kredit%2C+Capital+Adequacy+Ratio+(CAR)%2C+Net+Interest+Margin+(NIM)%2C+Return+On+Asset+(ROA)%2C+Beban+Operasional+Pendapatan+Operasional+(BOPO)%2C+dan+Loan+to+Deposit+Ratio+(LDR)+%0D%0A%0D%0A%0D%0A%0D%0A%0D%0A%0D%0A%0D%0A%0D%0A%0D%0A%0D%0A%0D%0A%0D%0AThe+purpose+of+this+study+to+determine+what+factors+affect+the+amount+of+credit+disbursed+by+Indonesian+conventional+commercial+banks.+The+research+was+conducted+using+a+quantitative+descriptive+method.+The+data+used+is+secondary+data+in+the+form+of+company+financial+statements+that+can+be+accessed+on+the+company+website.+The+research+sample+is+98+conventional+banking+companies+registered+with+the+Financial+Services+Authority.+The+analytical+method+used+in+this++research++is++descriptive++statistical++analysis%3B++classical++assumption++test%3A+normality++test%2C++heteroscedasticity++test%2C++and++multicollinearity++test%3B++hypothesis+testing%3A+multiple+regression+analysis%2C+t-test+f%2C+Pearson+correlation%2C+coefficient+of+determination.+The+results+of+this+study+indicate+that+there+are+3+of+the+5+factors+studied+affect+the+amount+of+credit+disbursed.+Capital+Adequacy+Ratio+(CAR)%2C+Net+Interest+Margin+(NIM)%2C+and+Return+On+Assets+(ROA)+have+a+significant+positive+effect+on+the+amount+of+loans+disbursed.+Meanwhile%2C+for+Operating+Expenses%2C+Operating+Income+(OEOI)+has+a+positive+but+not+significant+effect%2C+while+for+the+Loan+to+Deposit+Ratio+(LDR)+variable+it+has+a+negative+but+not+significant+effect.%0D%0A%0D%0A%0D%0A%0D%0AKeywords%3A+Credit%2C+Capital+Adequacy+Ratio+(CAR)%2C+Net+Interest+Margin+(NIM)%2C+Return+On+Asset+(ROA)%2C+Operating+Expenses+Operating+Income+(OEOI)%2C+dan+Loan+to+Deposit+Ratio+(LDR)%0D%0A&rft.publisher=EKONOMI+DAN+BISNIS&rft.date=2022-10-11&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F67385%2F1%2F1.%2520ABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F67385%2F2%2F2.%2520SKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F67385%2F3%2F3.%2520SKRIPSI%2520TANPA%2520PEMBAHASAN.pdf&rft.identifier=+++nyomandwi0%40gmail.com%2C+NI+NYOMAN+DWI+ANJANI+PUTRI++(2022)+FAKTOR-FAKTOR+YANG+MEMPENGARUHI+JUMLAH+KREDIT+YANG+DISALURKAN+PADA+MASA+PANDEMI+COVID-19+(Studi+Empiris+Pada+Bank+Umum+Konvensional+Indonesia+Di+Tahun+2020-+2021).++EKONOMI+DAN+BISNIS%2C+universitas+lampung.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F67385%2F