Determinan Penyaluran Kredit Konsumsi pada Bank Konvensional

Abstract

The aim of this research is to investigate variables affected to con-sumption credit distribution to the consumersof conventional banks in Daerah Istimewa Yogyakarta (DIY/Special Province of Yogyakarta); those variables includes Loan to Value(LTV), Third Party Funds (DPK), Non-Performing Loan (NPL), and inflation. The objects of this research are all conventional banks in DIY consist of 48 banks. The data usage is monthly data from 2010-2013 that was analyzed based on multiple linear regression. The findings show that LTV provide af-fects negative significantly towards distribution of consumption credit. Furthermore, DPK affects positive significantly towards credit distri-bution. NPL and inflation affect not significantly towards consumption credit.