Analysis of the Effect of Third-Party Funds (DPK), Equity, and Money Supply (JUB) on Lending at PT East Java Regional Development Bank Tbk. 2019-2023

Dita Apriliawati, Hafizh Al Ghofran, Resty Dwi Rahmah, Vidya Purnamasari

Abstract


Abstract: The banking industry has an important role in a country's economic growth and development. One of the important roles of banking is to provide loans to the public through credit. So it can be said that the bank acts as a liaison between people who have financial surplus so that they can save their funds. This study aims to examine the influence of third-party funds (DPK), equity, and total money in circulation (JUB) on lending at PT East Java Regional Development Bank. In this research, the author uses quantitative methods, with time series secondary data. The research period is January 2019 to December 2023. The analysis technique used is the Classical Assumption Test and Multiple Linear Regression with the help of Eviws 12 software. The results showed that third-party funds (DPK) had a significant negative effect on lending. Equity and JUB have a significant positive effect on lending.

Keywords: Credit, Third-Party Funds, Equity, Money Supply

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References


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