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Abstract: This study aims to analyze the effect of Third-Party Funds, Non-Performing Loans, and Capital Adequacy Ratio on credit disbursement with credit risk as a moderating variable in state-owned banks listed on the Indonesia Stock Exchange during the period 2019-2023. The research method used is explanatory research with a purposive sampling technique. Data analysis is conducted using panel data regression with the Fixed Effect Model (FEM). The results of the study indicate that Capital Adequacy Ratio has a negative and significant effect on credit disbursement, Non-Performing Loans does not have a significant effect on credit disbursement, Third-Party Fund does not have a significant effect on credit disbursement, while credit risk as a moderating variable has a positive and significant effect on the relationship between independent variables and credit disbursement. This demonstrates that credit risk strengthens the effect of these variables on credit disbursement, with a coefficient of determination of 53.5%. The implications of this research suggest that in determining credit disbursement policies, state-owned banks need to specifically consider factors like Capital Adequacy Ratio and credit risk. DOI: https://doi.org/10.51505/IJEBMR.2024.81001 |
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