Analysis of the Influence of Third Party Fund Composition, BI Rate, and Firm Size on Corporate Loan Prime Lending Rate
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Abstract
Abstract
The purpose of this study is to ascertain if the basic credit interest rate (SBDK) for corporate credit in banking businesses listed on the Indonesia Stock Exchange in 2018–2021 is influenced by the TPF composition, the BI-7 Day Reverse Repo Rate (BI Rate), and the size of the company. This study employed secondary data for its data collection. Publications representing the completed version of the data are acquired. Regression coefficient research indicates that the factors related to current accounts and business size are negative, but the variables related to savings, deposits, and BI Rate are positive. Joint hypothesis testing results indicate that the basic credit interest rate is influenced by the size of the company, the BI Rate, and the makeup of third-party funds. The basic credit interest rate is influenced by the BI Rate and company size, but not by the makeup of third-party funds. The value of R square is 0.271. This demonstrates how the BI Rate, the size of the company, and the makeup of third-party funds affect the basic credit interest rate by 27.1%, with other factors influencing the remaining amount.
Abstrak
Penelitian ini bertujuan untuk mengetahui apakah komposisi DPK, BI-7 Day Reverse Repo Rate (BI Rate), dan ukuran perusahaan berpengaruh terhadap suku bunga dasar kredit (SBDK) kredit korporasi pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia. pada tahun 2018 – 2021. Data yang digunakan dalam penelitian ini adalah data sekunder. Data yang diperoleh sudah dalam bentuk jadi berupa publikasi. Hasil penelitian koefisien regresi variabel transaksi berjalan dan ukuran perusahaan bernilai negatif, sedangkan variabel tabungan, deposito dan BI Rate bernilai positif. Hasil pengujian hipotesis bersama menunjukkan bahwa komposisi dana pihak ketiga, BI Rate, dan ukuran perusahaan berpengaruh terhadap suku bunga dasar kredit. Secara parsial BI Rate dan ukuran perusahaan berpengaruh terhadap suku bunga dasar kredit, sedangkan komposisi dana pihak ketiga tidak berpengaruh. Nilai R square sebesar 0,271. Hal ini menunjukkan bahwa komposisi dana pihak ketiga, BI Rate, dan ukuran perusahaan berpengaruh terhadap suku bunga dasar kredit sebesar 27,1% sedangkan sisanya dipengaruhi oleh faktor lain.
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