PENGARUH INFLASI, DANA PIHAK KETIGA (DPK) DAN NON PERFORMING LOAN (NPL) TERHADAP KREDIT KONSUMSI PERBANKAN DI PROVINSI RIAU 2010-2020

Abstract

This research aims to know how the influence of independent variables are Inflation, Third Party Fund and Non Performing Loan toward dependent variable is Banking Consumption Credit Distribution in Riau Province. Data used a secondary data source from Bank Indonesia (Central Bank of Indonesia). The time took about 11 years, namely 2010 until 2020. The analytical of the research used ordinary least square (OLS) method, using the E views 10 application. The result of this research indicates that simultaneously test (F test) Inflation, Third Party Fund, and Non Performing Loan significantly influence the banking consumption credit distribution. Partially test (T test) only Third Party Fund has a significant and positive effect on consumption credit distribution. Meanwhile Inflation and Non Performing Loan do not have an effect on consumption credit distribution. The magnitude of are three independent variables (R2 ) is 94,94% while the remaining 5,06% consumption credit distribution is influences other variables exclude in this research.

Keywords: Consumption Credit, Inflation, Third Party Fund and Non Performing Loan.