Manajemen S-1, Vol. 1 (2013) No. 1

Analisis Faktor-Faktor Yang Mempengaruhi Volume Kredit Usaha Rakyat Pada Bank Nagari

Restia Purnama Nitasa

Abstract

This study aimed to see the effect of the Capital Adequacy Ratio (CAR), Return on Assets (ROA), Loan to Deposit Ratio (LDR), Deposits Funds (DPK) and the interest rate of Bank Indonesia (BI Rate) to Kredit Usaha Rakyat Volume (KUR). The sample was Bank Nagari. Data was collected through quantitative data approach monthly financial statements of Bank Nagari period May 2010 to October 2012 and its financial ratios. Processing of research data using multiple linear regression analysis. The research concludes that the CAR and ROA no significant effect on KUR Volume. Meanwhile, LDR and DPK have a positive and significant effect on KUR Volume, as well as BI Rate has a negative and significant influence on Volume KUR. The results of this study imply that KUR not effective, so that the role of government regulation particularly with respect to the implementation of KUR is needed, especially in maintaining the stability of the performance of the executing bank, so KUR not only provide benefits to the increased growth of UMKM-K but also resulted in improved bank performance.

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