Analisis Faktor – Faktor yang Mempengaruhi Penyaluran Kredit Akibat Dampak Covid 19 pada PT. BPR Naribi Perkasa Depok

Surbay, Theresia Ratnasari (2021) Analisis Faktor – Faktor yang Mempengaruhi Penyaluran Kredit Akibat Dampak Covid 19 pada PT. BPR Naribi Perkasa Depok. D3 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pandemic covid 19 terhadap penyaluran kredit Bank Perkreditan Rakyat Naribi Perkasa Depok oleh adanya fenomena penyaluran kredit perbankan yang menurun, terutama pada BankPerkreditan Rakyat (BPR) selaku lembaga keuangan yang melayani pelaku usaha mikro, kecil dan menengah. Oleh karena itu, perlu dilakukan pengujian faktor-faktoryang mempengaruhi penyaluran kredit perbankan meliputi Dana Pihak Ketiga (DPK), rasio Non Performing Loan (NPL), suku bunga. Obyek penelitian ini adalah Bank Perkreditan Rakyat Naribi Perkasa. Teknik analisis yang digunakan yakni regresi linear berganda dan surver langsung pandemic covid 19 sebagai variabel dummy sebelum dan selama pandemic covid 19. Hasil dari penelitian ini menunjukan bahwa pandemic covid 19 mempunyai pengaruh signifikan terhadap penyaluran kredit. Pandemic covid 19 merupakan kejadian luar biasa yang menyebabkan perekonomian di seluruh dunia termasuk Indonesia mengalami penurunan yang tajam. Akibatnya para pengusaha, tenaga kerja serta sektor ekonomi lainnya kehilangan pendapatan dan keuntungan, hal tersebut menimbulkan ketidakmampuan para peminjam yang terdiri dari pengusaha untuk mengembalikan dana ke pada BPR Kata kunci: Penyaluran kredit, Dana Pihak Ketiga, rasio Non Performing Loan(NPL), suku bunga, Covid-19. / This study aims to analyze the effect of the COVID-19 pandemic on credit distribution at the Naribi Perkasa Rural Bank Depok by the phenomenon of declining banking credit distribution, especially at the Rural Bank (BPR) as a financial institution that serves micro, small and medium enterprises. Therefore, it is necessary to examine the factors that affect bank lending, including Third Party Funds (DPK), Non Performing Loan (NPL) ratios, interest rates. The object of this research is Naribi Perkasa Rural Bank. The analysis techniques that used are multiple linear regression and the direct surveyor of the covid 19 pandemic as a dummy variable before and during the covid 19 pandemic. The results of this study show that the covid 19 pandemic has a significant influence on credit distribution. The COVID-19 pandemic is an extraordinary event that caused the economy throughoutthe world, including Indonesia to experience a sharp decline. As a result, entrepreneurs, labor and other economic sectors lose income and profits, this causes the inability of borrowers consisting of entrepreneurs to return funds to theBPR. Keywords: Credit disbursement, Third Party Funds, Non Performing Loan (NPL) ratio, interest rates, Covid-19

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