Determinan penyaluran kredit pada perbankan Danantara di Indonesia

Authors

  • Nurfadillah Nurfadillah Fakultas Ekonomi dan Bisnis, Universitas Negeri Makassar
  • Abd Rahim Fakultas Ekonomi dan Bisnis, Universitas Negeri Makassar
  • Sri Astuty Fakultas Ekonomi dan Bisnis, Universitas Negeri Makassar
  • Irwandi Irwandi Fakultas Ekonomi dan Bisnis, Universitas Negeri Makassar
  • Muhammad Syafri Fakultas Ekonomi dan Bisnis, Universitas Negeri Makassar

DOI:

https://doi.org/10.53088/jerps.v6i2.3213

Keywords:

Third Party Funds, Non-Performing Loans, Inflation, Interest Rates, Credit Distribution

Abstract

This study evaluates the impact of Third-Party Funds (TPF), Non-Performing Loans (NPL), interest rates, and inflation on credit distribution in Danantara Indonesia Banking from 2015 to 2024. The study employs a quantitative approach using panel data regression. The data were obtained from secondary sources, including the annual reports of Bank BRI, BNI, Mandiri, BTN, and BSI, as well as publications from Bank Indonesia. The results show that Third-Party Funds and interest rates have positive and significant effects on credit distribution. Inflation has a negative and significant effect, while Non-Performing Loans have a negative but insignificant effect. Overall, the selected banking and macroeconomic variables substantially explain variations in credit distribution. These findings indicate that funding capacity and interest rate conditions play important roles in determining credit distribution, while inflation may constrain lending activity. The results highlight the importance of strengthening funding capacity and maintaining appropriate interest rates to support sustainable credit distribution in the banking sector.

References

Eklesia, M. I., & Riyadi, S. (2021). Pengaruh Dana Pihak Ketiga, Inflasi, Modal Bank, dan Suku Bunga Dasar Kredit terhadap Penyaluran Kredit. Jurnal Ilmu Manajemen, 10(2), 101-110. https://doi.org/10.32502/jimn.v10i2.2985

Frans, F. G., Sunita Dasman, Sari, P. P. ., & Tiffani, D. A. . (2024). Pengaruh Dana Pihak Ketiga (Dpk), Non-Performing Loan (NPL) dan BI Rate terhadap Penyaluran Kredit Perbankan pada Bank Umum di Indonesia yang Terdaftar di OJK Periode 2019-2023. Jurnal Manajemen Perbankan Keuangan Nitro, 7(2), 108–119. https://doi.org/10.56858/jmpkn.v7i2.348

Febrianto, D. F., & Muid, D. (2013). Analisis Pengaruh Dana Pihak Ketiga, LDR, NPL, CAR, ROA, dan BOPO terhadap Jumlah Penyaluran Kredit (Studi pada Bank Umum yang Terdaftar di Bursa Efek Indonesia Periode Tahun 2009-2012). Diponegoro Journal of Accounting, 0, 259-269.

Gayo, A. A., Prihatni, R., & Armeliza, D. (2022). Faktor-Faktor yang Mempengaruhi Penyaluran Kredit pada Bank Umum di Indonesia. Jurnal Akuntansi Dan Keuangan, 10(1), 25. https://doi.org/10.29103/jak.v10i1.6099

Gujarati, D. N., & Porter, D. C. (2012). Dasar-Dasar Ekonometrika. Salemba Empat.

Hasyim, A. F., & Maski, G. (2020). Pengaruh Inflasi, Suku Bunga Deposito, Dana Pihak Ketiga, dan Non-Performing Loan terhadap Penyaluran Kredit (Studi Kasus pada Bank Umum di Maluku Utara Periode 2009–2018). Jurnal Ilmiah Mahasiswa FEB, 8(2), 1-20.

Katuuk P.M., Kumaat R.J., & Niode, A.O. (2018). Pengaruh Dana Pihak Ketiga, Loan To Deposit Ratio, Biaya Operasional Pendapatan Terhadap Return On Asset Bank Umum di Indonesia Periode Tahun 2010.1-2017.4. Jurnal Berkala Ilmiah Efisiensi, 18(02), 170-180. https://ejournal.unsrat.ac.id/v3/index.php/jbie/article/view/20124

Kristiastuti, F. (2020). Pengaruh Dana Pihak Ketiga Dan Non-Performing Loan Terhadap Penyaluran Kredit Bank Umum Konvensional. Ensains Journal, 3(2), 93-98. https://doi.org/10.31848/ensains.v3i2.478

Mishkin, F. S. (2016). The Economics of Money, Banking, and Financial Markets. Columbia University.

Naro, V. M. S., Purnami, A. A. S., & Wulandari, I. G. A. A. (2021). Pengaruh Dana Pihak Ketiga, BI Rate dan Inflasi Terhadap Penyaluran Kredit Pada PT. Bank Mandiri, Periode 2014(I) -2018(IV). Warmadewa Economic Development Journal (WEDJ), 4(1), 28–38. https://doi.org/10.22225/wedj.4.1.3148.28-38

Pinto, N. G. D. C. G., Bagiada, K., & Parameswara, A. A. G. (2020). Pengaruh DPK, NPL dan Inflasi Terhadap Penyaluran Kredit Pada PT. Bank Mandiri Periode Tahun 2014 – 2018. Warmadewa Economic Development Journal (WEDJ), 3(2), 73–79. https://doi.org/10.22225/wedj.3.2.2319.73-79

Rahim, A. (2012). Ekonometrika Dasar dan Penerapan. Badan Penerbit UNM.

Sania Z.M., & Wahyuni D.U. (2016). Pengaruh DPK, NPL, dan CAR terhadap Penyaluran Kredit Perbankan Persero. Jurnal Ilmu dan Riset Manajemen (JIRM), 5(1), 1-15. https://jurnalmahasiswa.stiesia.ac.id/index.php/jirm/article/view/389

Santosa, A. B. (2017). Analisis Inflasi di Indonesia. Prosiding Seminar Nasional Multi Disiplin Ilmu & Call for Papers UNISBANK Ke-3 (SENDI_U 3), 445–452.

Siringoringo, R. (2012). Karakteristik dan Fungsi Intermediasi Perbankan di Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 15(1), 61–83. https://doi.org/10.21098/bemp.v15i1.57

Siagian, S. (2021). Pengaruh dana pihak ketiga (DPK) dan BI rate terhadap penyaluran kredit di industri perbankan. Akrab Juara: Jurnal Ilmu-Ilmu Sosial, 6(2), 250-268. https://doi.org/10.58487/akrabjuara.v6i2.1470

Siamat, D. (2004). Manajemen Lembaga Keuangan. Lembaga Penerbit Fakultas Ekonomi.

Sutawijaya, A., & Zulfahmi. (2012). Pengaruh Faktor-Faktor Ekonomi terhadap Inflasi di Indonesia. Jurnal Organisasi dan Manajemen, 8(2), 85–101. https://doi.org/10.33830/jom.v8i2.237.2012

Wau, I. (2019). Pengaruh Dana Pihak ketiga, Non Performing Loan, Capital Adequacy Ratio, Tingkat Suku Bunga dan Arus Kas Terhadap Penyaluran Kredit Perbankan. Owner: Riset Dan Jurnal Akuntansi, 3(1), 71-81. https://doi.org/10.33395/owner.v3i1.93

Yudhistira, A.W., & Sugiatuti, R.H. (2023). Analisis Pengaruh Inflasi, Suku Bunga BI-7DRR, Dana Pihak Ketiga (DPK) dan Non-Performing Loan (NPL) terhadap Penyaluran Kredit (Studi pada Bank Umum KBMI 3 dan 4 yang Terdaftar di BEI Periode 2019–2022). Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi, 2(4), 417-430. https://doi.org/10.53625/jemba.v2i4.6071

Downloads

Published

2026-08-31

How to Cite

Nurfadillah, N., Rahim, A., Astuty, S., Irwandi, I., & Syafri, M. (2026). Determinan penyaluran kredit pada perbankan Danantara di Indonesia. Journal of Economics Research and Policy Studies, 6(2), 819–831. https://doi.org/10.53088/jerps.v6i2.3213

Issue

Vol. 6 No. 2 (2026): Journal of Economics Research and Policy Studies

Section

Articles

License

Copyright (c) 2026 Nurfadillah Nurfadillah, Abd Rahim, Sri Astuty, Irwandi Irwandi, Muhammad Syafri

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

The author(s) retain copyright and grant the journal the right of first publication with the work simultaneously licensed under a CC BY-SA 4.0 license that allows others to remix, adapt, and build upon the work even for commercial purposes, as long as they credit the author(s) and license their new creations under the identical terms.

License details: https://creativecommons.org/licenses/by-sa/4.0/