Pustaka Ilmiah Universitas Padjadjaran

Abstrak

Determinants Of Credit Crunch : A Study on Commercial Banks in Indonesia in 2005-2010

Banks are business entities that play a role in collecting funds from the community and distribute those funds to the general public. Efforts to raise funds obtained from the wider community through three forms namely, demand deposits, savings deposits, and savings deposits while efforts to distribute funds through from lending activity. Lending activity is able to bring development in the economy. The research was motivated by the phenomenon of bank lending is not optimal. This situation triggered by the LDR commercial banks are still below the standards set by Bank Indonesia. When credit is not ideal and this happens because of the bank is reluctant to channel credit there is a credit crunch phenomenon. Moreover, in this study looks inconsistencies of the factors that influence the distribution of credit. Therefore, this study would examine the factors that influence the lending policies relating to the credit crunch phenomenon which includes mortgage interest rates, Capital Adequacy Ratio (CAR), Non-Performing Loans (NPLs), Loan to Deposit Ratio (LDR), Party Funds Third (DPK), and inflation. This research studied at a commercial bank with the period 2005-2010 (quarterly). Analysis technique used is multiple linear regression with hypothesis test using the t test to see the influence of variable partially and the F test to see the influence of variables simultaneously with a significance level of 5%. Based on the results of processing the data obtained that simultaneous variable mortgage interest rates, CAR, NPLs, LDR, deposits, and inflation have a significant effect on bank lending. Partially, interest rate, LDR, and the NPL have unsignificant negative effect on the distribution of bank credit. CAR is significantly negative effect on bank lending. Meanwhile, DPK and inflation has positive and significant effect on bank lending.