Titien Sumartini, 090210483 L (2005) PENGARUH PERTUMBUHAN EXCESS CAPITAL, DANA PIHAK KETIGA, NON PERFORMING LOAN DAN LOAN TO ASSET RATIO TERHADAP PERTUMBUHAN KREDIT DAN DAMPAK PERTUMBUHAN KREDIT TERHADAP RETURN ON ASSET BANK. Thesis thesis, UNIVERSITAS AIRLANGGA.

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Abstract

The aim of the research is to find out first, whether Excess Capital growth, Third Party's Deposit growth, Non Performing Loan growth, and Loan To Asset Ratio altogether influence lending growth. Second, whether those factors partially have significant influence to lending growth. Third, whether lending growth influences Return On Asset (ROA). The research is conducted at national private banks that have main office in Surabaya during the quarters of 2000-2004. The test is carried out by using Model I and Model II. Model I is a Multiple linear model applied to examine the influence of four factors above altogether and partially toward lending growth. Model II is a linear model to test the influence of lending growth to Return On Asset (ROA). Based on the result of the research, it is discovered that (1) Excess Capital growth, Third Party's Deposit growth, Non Performing Loan growth, and Loan To Asset Ratio altogether have significant influence to lending growth; (2) Excess Capital Growth and Non performing Loan Growth have negative influence to lending growth, Third Party's Deposit Growth, has positive influence to lending growth, and Loan To Asset Ratio does not have significant influence to lending growth; (3) Lending growth does not have significant influence to Return On Asset.

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