ANALISIS PENGARUH DANA PIHAK KETIGA, SUKU BUNGA KREDIT, NOAN PERFORMING LOAN TERHADAP PEMBERIAN KREDIT BAGI USAHA KECIL DI KOTA AMBON

Abstract

The main source of investment funding in the develomping country like
Indonesia commonly depends on Bank Loan for the Micro Scale Business in
necessary to increase the productivity of their business.
The research has aim to achieve emperical evidence about the influence of Non
Performing Loan, Credit rate and Third Parties Fund towards Presenting an
Investment Credit Loan to Micro Scale Business in Ambon. The Independent
variables in the research are, Third Parties Fund, Credit Rate, and Non
Performing Loan ( NPL ). It has used the past year form ( t-1 ) that has been
observed since 2010 – 2014, meanwhile the Dependent Variables is Presenting
an Investment Credit Loan for Micro Scale Business.
The research implemented in Public Bank in Ambon as the research
objects ( Data Source : Bank Indonesia of Ambon Branch ) under period of 2010
to 2014. The varibles that has been used in this researchn were amount of Third
Parties Fund, Non Performing Loan, and Credit Rate that liquidate by Bank
Indonesia of Ambon. The analysis method that has been used in this research
are, Linear Regression, testing of assumption and testing the hypothesis.
Based on the result of the research, Non Performing Loan has positive influence
in Presenting the Investment Loan to Micro Scale Business, and then Credit
Rate has a negative influence toward presenting the investment loan to micro
scale business, meanwhile third parties fund has a positive influence in
presenting the Investment Loan to Micro Scale Businees.