Effect of third party funds and BI rate on credit distribution of BNI
Keywords:
BI, BNI, credit, customer, third party fundsAbstract
This study aims to examine the effect of third-party funds and BI Rate to Bank BNI lending in the period of 2010 until the third quarter of 2016 with multiple linear regression analysis methods. The results of this research to produce numbers R square of 98.5% means that independent variables can explain 98.5% of the dependent variable and the rest is explained by other variables not examined by the independent variables used simultaneously significant effect on lending. While partially, third party funds and a significant positive effect on credit distribution mean when the deposits rise, the loan portfolio also increased and vice versa. While the BI Rate has no effect on credit in a positive direction. The suggestions that could be recommended include increasing third party funds by improving the performance of employees or gift for the customer in order to get more fund: Optimization lending to the public in accordance with the function of the bank; and using regression analysis with a distributed lag models for further research so that better results.
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