ANALISIS PENGARUH DPK, LDR, DAN NPL TERHADAP PENYALURAN KREDIT PADA PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN TAHUN 2020-2024

ABSTRAK
Penulisan tugas akhir ini bertujuan untuk menganalisis pengaruh Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), dan Non Performing Loan (NPL) terhadap penyaluran kredit pada PT Bank Pembangunan Daerah Jawa Barat dan Banten (Bank BJB) selama periode 2020 hingga 2024. Penulisan tugas akhir ini menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan triwulanan yang diperoleh dari situs resmi Bank BJB. Data terkumpul sebanyak 20 data yang kemudian dianalisis menggunakan regresi linear berganda melalui SPSS versi 30. Hasil analisis menunjukkan bahwa secara parsial, DPK dan LDR berpengaruh positif terhadap penyaluran kredit, sedangkan NPL tidak berpengaruh terhadap penyaluran kredit. Hal ini menunjukkan bahwa peningkatan DPK dan LDR mampu mendorong penyaluran kredit, sementara NPL yang masih terkendali belum berdampak langsung terhadap kinerja penyaluran kredit. Secara simultan, ketiga variabel berpengaruh terhadap penyaluran kredit, menegaskan pentingnya strategi penghimpunan dana, pengelolaan likuiditas, dan pengendalian risiko kredit dalam mendukung kinerja Bank BJB.
Kata kunci: Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Penyaluran Kredit

ABSTRACT
The writing of this final project aims to analyze the effect of Third Party Funds (DPK), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL) on lending at PT Bank Pembangunan Daerah Jawa Barat and Banten (Bank BJB) during the period 2020 until 2024. The writing of this final project uses a quantitative descriptive approach with secondary data in the form of quarterly financial reports obtained from the official website of Bank BJB. Data were collected for as many as 20 data points, which were then analyzed using multiple linear regression through SPSS version 30. The results indicated that, when considered individually, both DPK and LDR have a positive effect on lending, while NPL does not affect credit distribution. This shows that the increase in DPK and LDR is able to encourage credit distribution, while NPL, which is still under control, has not had a direct impact on credit distribution performance. Simultaneously, the three variables affect credit distribution, emphasizing the importance of fundraising strategies, liquidity management, and credit risk control in supporting Bank BJB's performance.
Keywords: Third Party Funds (DPK), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Credit Distribution