DISTRIBUTING WORKING CAPITAL LOAN AND INVESTMENT LOAN OF MICRO, SMALL AND MEDIUM ENTERPRISES

Zulkarnain, Muhammad Aris and Yusniar, Meina Wulansari and Juniar, Asrid DISTRIBUTING WORKING CAPITAL LOAN AND INVESTMENT LOAN OF MICRO, SMALL AND MEDIUM ENTERPRISES. International Journal of Business, Economics and Law. ISSN 2289-1552

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Abstract

Regional Development Bank is a bank owned by local governments that located in each province in Indonesia. The purpose of establishing Regional Development Bank is to encourage economic growth in the region, such as providing loan to micro, small and medium enterprises. The aim of this research is to study the influence of Capital Adequacy Ratio (CAR), Third-Party Fund (TPF), Return on Assets (ROA), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL) and external factors, such as: Inflation and the central bank rates against working capital loans and investment loans at Regional Development Bank of South Kalimantan-Indonesia, regional inflation index and the central bank rates in 2015-2017. Data analysis with panel data regression used software EViews 10. The results showed that the variable of Capital Adequacy Ratio (CAR), Third-Party Fund (TPF), Return on Asset (ROA), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), Inflation and Bank Indonesia Rate influence simultaneously to MSME working capital loans and MSME investment loans. For partial test results, the variables which significantly affected MSME Working Capital Loans were CAR, TPF, LDR and BI Rate. The Partial test results affected MSME investment loans. They were CAR, TPF, LDR, NPL, Bank Indonesia Rate. Keywords: working capital loan, investment loan, MSME, regional development bank

Item Type: Article
Subjects: K Law > K Law (General)
Depositing User: Mr Arief Mirathan
Date Deposited: 03 Dec 2018 06:06
Last Modified: 03 Dec 2018 06:09
URI: http://eprints.ulm.ac.id/id/eprint/4754

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