Analysis of factors influencing productive credit distribution of regional development banks (bpd) in indonesia
Keywords:
Productive Credit, Regional Development Banks, Good Corporate Governance, Operational Efficiency, Loan to Deposit RatioAbstract
This study aims to analyze the impact of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Good Corporate Governance (GCG) Rating, Return on Assets (ROA), Operational Efficiency Ratio (BOPO), and Loan to Deposit Ratio (LDR) on the distribution of productive credit by Regional Development Banks (BPD) in Indonesia during the period 2018–2023. A quantitative research approach is employed, utilizing secondary data obtained from Monthly Commercial Bank Reports, Annual Reports, and Financial Statements of Regional Development Banks for the specified period. The study population includes all Regional Development Banks in Indonesia from 2018 to 2023, with samples selected through purposive sampling based on specific criteria to ensure representativeness. The findings reveal a significant negative effect of CAR, GCG Rating, ROA, and BOPO on the distribution of productive credit. Conversely, NPL has no significant effect, while LDR exhibits a significant positive influence on productive credit during the 2019–2023 period. These results suggest that to enhance the distribution of productive credit, Regional Development Banks should prioritize the implementation of effective corporate governance strategies and improve operational efficiency.
Downloads
References
Alkhazaleh, AMK (2017). Factors May Drive The Commercial Banks Lending: Evidence From Jordan. Banks And Bank Systems, 12(2), 31–38.
Amalia, KR, & Musdholifah. (2018). Analysis of the Influence of Internal Bank Variables and Monetary Policy on Bank Credit Distribution in Foreign Exchange BUSN and Non-Foreign Exchange BUSN Go Public for the Period 2012-2016. Department of Management, Faculty of Economics, Surabaya State University, 6(4), 515–530.
Amelia, KC, & Murtiasih, S. (2017). Analysis of the Influence of DPK, LDR, NPL, and CAR on the Amount of Credit Distribution at PT. Bank QNB Indonesia, Tbk for the Period 2005 - 2014. Scientific Journal of Business Economics, 22(1), 66–74.
Bustamante, J., Cuba, W., & Nivin, R. (2019). Determinants Of Credit Growth and The Bank Lending Channel in Peru: A Loan Level Analysis. BIS Working Paper, 803, 1–33.
Cooper and Schindler. (2014). Bussiners Research Method. New York: McGraw Hill
Deddy Supriady Bratakusumah and Dadang Solihin. 2004. Autonomy of Regional Government Administration. PT Gramedia Pustaka Utama. Jakarta
Dendawijaya, L. 2003. Banking Management. Jakarta: Ghalia Indonesia Publisher.
Deni, Musa Hubeis and Mimin Aminah. The Influence of Internal Audit and GCG on the Distribution of Micro Business Credit Financing through the Implementation of Risk Management. Journal of Small and Medium Industry Development Management, IPB, Vol. 19 No. 2.
Dharma, R. (2015). Analysis of Factors Influencing Banking Credit Distribution Policy (Case Study on Commercial Banks in Indonesia for the Period 2008-2012). EKOBISTEK Journal, Faculty of Economics, 5(1), 37–54.
Dwi Fajar Febrianto & Dul Muid (2013). Analysis of the Influence of Third Party Funds, LDR, NPL, CAR, ROA and BOPO on the Amount of Credit Distribution. Diponegoro Journal of Accounting, Volume 2, Number 4, Year 2013, Pages 1-11.
Fahmi, I. (2014). Introduction to Banking Theory and Application. Alfabeta.
Ghozali, Imam. 2016. Multivariate Analysis Application with IBM SPSS 23 Program (8th Edition). VIIIth Printing. Semarang: Diponegoro University Publishing Agency.
Graham, Scott B. Smart, and William L. Megginson. 2010. Corporate Finance (3rd Edition), Cengage South Western
Gulo W, Research Methods (Jakarta: Gramedia Widiasarana Indonesia, 2002)
Haryanto, SB, & Widyarti, T. (2017). Analysis of the Influence of NIM, NPL, BOPO, BI Rate, and CAR on Credit Distribution of Publicly Listed Commercial Banks for the Period 2012-2016. Diponegoro Journal of Management, 6(4), 1–11.
Haryanto, S. (2016). Determinants of bank capital through profitability, risk, company size, efficiency and asset structure. Journal of Economics and Business, 19(1), 117-138.
Karim, MAM, Kamaliah, & Savitri, E. (2019). Analysis of the Influence of Internal and External Banking Factors on Banking Credit Distribution in Indonesia (Study on Banks Listed on the IDX for the Period 2009 – 2016). Journal of Business Management, 11(1), 137–164.
Langodai, DJ, & Lutfillah, NQ (2019). The Influence of Third Party Funds, Capital Adequacy Ratio, Non Performing Loans to Credit Distribution on the Indonesia Stock Exchange. Research in Management and Accounting, 2(1), 14–25.
Martono. (2002). Banks and Other Financial Institutions. Yogyakarta: Ekonosia. Meidisari, S., & Sugiyono, S. (2018). The Effect of LDR and NIM Through NPL on the Profitability of Commercial Banks. Journal of Management Science and Research (JIRM), 7(1).
Maya Syafriana Effendi. (2021). Distribution of Bank Credit in Indonesia. Central Java: CV. Pena Persada.
Mesrawati, M., Hitajulu, W., Siregar, S., Venny, V., Panggabean, SR, & Halawa, F. (2020). Analysis of the Influence of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on Banking Credit Distribution. Journal of Economic, Business and Accounting, 4(1), 109–116.
Oktaviani, 2012. The Influence of DPK, ROA, CAR, NPL, and the Number of SBI on Bank Credit Distribution (Study on Public Banks in Indonesia for the Period 2008-2011). Diponegoro Journal of Management, Vol. 1, No.2, 2012, pages 430-438.
Panuntun, B., & Sutrisno, S. (2018). Determining Factors of Bank Credit Distribution Case Study of Conventional Banks in Indonesia. Dewantara Accounting & Finance Research Journal, 1(2), 57–66.
Pratama, BA 2010. Analysis of Factors Affecting Banking Credit Distribution Policy (Study on Commercial Banks in Indonesia for the Period 2005-2009). Thesis of Master of Management Study Program, Diponegoro University, Semarang.
Putri, YMW, & Akmalia, A. (2016). The Influence of CAR, NPL, ROA, and LDR on Credit Distribution in Banking (Study on Banking Companies Listed on the Indonesia Stock Exchange for the Period 2011-2015). Economic, Business, Management and Accounting Journal, 13(02), 82–93.
Riyadi, S., Iqbal, M., & Lauren, N. (2015). Non-Performing Loan (NPL) Management Strategy of Public Banks. Journal of Management Dynamics, 6(1), 84–96.
Romli, H., & Alie, M. (2017). Determinants of Credit Distribution and Their Implications for Profitability Performance of Banks Listed on the Indonesia Stock Exchange for the Period 2010-2014. Journal of Management and Business Sriwijaya (JMBS), 15(1), 1412–4521.
Rosawati, Y., & Pinem, D. (2017). The Influence of Third Party Funds, Capital, Productive Assets, and Liquidity on the Amount of Bank Credit Distribution. Economics and Business, 4(2), 157–172.
Setiawaty, A. (2016). The Influence of Good Corporate Governance Mechanism on Banking Performance with Risk Management as an Intervening Variable. Journal of Economics and Management, Volume 13, (1), 2016.
Silfiana IK and Khanifah (2024). The Influence of Sharia Governance on Sharia Bank Performance and Sharia Compliance. Journal of Accounting, Finance and Auditing Vol. 5 (No. 1), 2024, Pages: 307-319 ISSN 2723 – 2522.
Yuwono, FA, 2012. “Analysis of the Influence of Third Party Funds, Loan to Deposit Ratio, Capital Adequacy Ratio, Non-Performing Loan, Return on Assets, and Bank Indonesia Certification on the Amount of Credit Distribution”. Thesis of Accounting Study Program, Diponegoro University, Semarang.
Zainul Fuad, Entatarina Simanjuntak and Hasna Widiastuti. 2014. Strategy for Utilizing Government-Owned Enterprises (BUMN and BUMD) in Financing Public Works Infrastructure 2014. Jakarta
Published
How to Cite
Issue
Section
Copyright (c) 2025 Yudha Nugraha Kurata, Basuki HP
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
