The Influence of Fund Collection, Credit Risk, and Profitability on Credit Distribution.
Keywords:
Credit Distribution, Third-Party Funds (DPK), Non-Performing Loan (NPL), Return on Assets (ROA)
Abstract
Credit distribution is a core intermediation function of banking that supports the real sector. This study's goal is to look into the concurrent and partial effects of Return on Assets (ROA), Non-Performing Loans (NPL), and Third-Party Funds (DPK) on Credit Distribution. Through a purposive sampling method, 9 conventional banks on the IDX that met the criteria were selected, yielding a total of 45 observational data points over 5 years. Multiple Linear Regression was used to analyse the data after passing the Normality Test (Skewness) and Classic Assumption Tests (Autocorrelation, Glejser Heteroscedasticity, and Multicollinearity). The findings of the simultaneous test demonstrate that credit distribution is significantly impacted by DPK, NPL, and ROA. While NPL and ROA have a negative but negligible impact on credit distribution, DPK has been shown to have a partially positive and considerable influence. The Adjusted R value of 98.4% confirms that These three independent variables provide a very strong explanation for the difference in credit distribution.
References
Aldi Akbar, Karyadi, & Budi Rustandi Kartawinata. (2021). Analisis Non Performing Loan (NPL) Pada Bank Pembangunan Daerah Yang Terdaftar Di Bursa Efek Indonesia Sebelum Dan Selama Pandemi Covid-19. Jurnal E-Bis (Ekonomi-Bisnis), 5(1), 67–82. https://doi.org/10.37339/e-bis.v5i1.537
Anisa, P. (2025). Kinerja Keuangan dan Risiko Kredit pada Sektor Perbankan Indonesia. 1(1).
Budianto, E. W. H., Dewi, N. D. T., & Abidin, U. A. (2023). Pemetaan Penelitian Rasio Dana Pihak Ketiga (Dpk) Pada Perbankan Syariah Dan Konvensional: Studi Bibliometrik Vosviewer Dan Literature Review. Syi`ar Iqtishadi : Journal of Islamic Economics, Fi-nance and Banking, 7(1), 25. https://doi.org/10.35448/jiec.v7i1.19887
Fitriyah, F., Wardana, G. K., Handayati, P., & Maharani, S. N. (2024). Profitabilitas: Struktur Modal, Kebijakan Dividen, Nilai Bank dan Ukuran Bank Perbankan Syariah di Dunia. IQTISHODUNA, 20(1), 93–107. https://doi.org/10.18860/iq.v20i1.26445
Frans, F. G., Sunita Dasman, Sari, P. P., & Tiffani, D. A. (2024). Pengaruh Dana Pihak Ketiga (DPK), Non Performing Loand (NPL) dan BI Rate Terhadap Penyaluran Kredit Perbankan pada Bank Umum Indonesia Yang Terdaftar Di OJK Periode 2019 – 2023. Jurnal Manajemen Perbankan Keuangan Nitro, 7(2), 108–119. https://doi.org/10.56858/jmpkn.v7i2.348
Gayo, A. A., Prihatni, R., & Armeliza, D. (2022). Faktor – Faktor yang Mempengaruhi Penya-luran Kredit pada Bank Umum di Indonesia. Jurnal Akuntansi dan Keuangan, 10(1), 25. https://doi.org/10.29103/jak.v10i1.6099
Ghozali, I. (2018). APLIKASI ANALISIS MULTIVARIATE Dengan Program IBM SPSS 25 Edisi 9 (9th ed.). Universitas Diponegoro.
Kasmir. (2018). Banks and Other Financial Institutions. Rajawali Pers.
Kertyasih, N. N. A., Widnyana, I. W., & Wayan, I. (2023). PENGARUH DANA PIHAK KETIGA (DPK), PENYALURAN KREDIT, DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS PADA KOPERASI SIMPAN PINJAM SE-KOTA DENPASAR. 4(4). https://doi.org/https://doi.org/10.30388/emas.v4i4.6556
Khoiriyah, S., & Dailibas, D. (2022). PENGARUH NPL DAN LDR TERHADAP PROFITABILI-TAS (ROA). COMPETITIVE Jurnal Akuntansi dan Keuangan, 6(1), 138. https://doi.org/10.31000/competitive.v6i1.4602
Kushendratno, D., & Suharto, E. (2024). Pengaruh Rasio Indikator Tingkat Kesehatan Bank terhadap Kinerja Penyaluran Kredit pada Bank Umum Konvesional yang Tercatat di Bursa Efek Indonesia Periode 2019-2023. 4(6). https://doi.org/https://doi.org/10.31004/innovative.v4i6.16598
Lestari, H. F., Nusannas, I. S., & Ernawan, Y. (2022). Pengaruh Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan terhadap Profitabilitas. 1(1).
Mei, E. (2021). YAYASAN AKRAB PEKANBARU. 6.
Nasirin, A., Khafid, A., & Putra, G. K. (2024). Pengaruh Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Return on Asset (ROA) dan Non Performing Loan (NPL) Ter-hadap Penyaluran Kredit pada BPR di Wilayah Jawa Tengah Periode 2021 – 2023. 11(2).
Novi Sriwahyuni, Hesty Ervianni Zulaecha, Imam Hidayat, & Ahmad Jayanih. (2022). Pengaruh Dana Pihak Ketiga (DPK), Capital Adequancy Ratio (CAR), Loan To De-posit Ratio (LDR), Return On Asset (ROA), Terhadap Penyaluran Kredit. Jurnal Penelitian Ekonomi Manajemen dan Bisnis, 1(4), 152–168. https://doi.org/10.55606/jekombis.v1i4.684
Nugraha, B. (2022). Pengembangan Uji Statistik Implementasi Metode Regresi Linear Ber-ganda dengan Pertimbangan Uji Asumsi Klasik.
Rafiqoh, R., Chottam, Mersa, N. A., & Dachi, F. M. (2023). The Influence of Third Party Funds, Capital Adequacy Ratio, Non Performing Loans, and Return on Assets on Credit Distribution In Commercial Banks Listed on the Bei for the 2015–2022 Pe-riod. In A. Azizah, N. Fahmi, & E. Dwi Ariyani (Eds.), Proceedings of the International Conference on Applied Science and Technology on Social Science 2023 (iCAST-SS 2023) (Vol. 817, pp. 147–154). Atlantis Press SARL. https://doi.org/10.2991/978-2-38476-202-6_22
Ramadani, H. T. N., Astuti, R. P., & Novianti, E. R. (2025). Pengaruh Rasio Likuditas Dan Prof-itabilitas Terhadap Stabilitas Perbankan. 1(5).
Romdona, S., Junista, S. S., & Gunawan, A. (2025). TEKNIK PENGUMPULAN DATA: OB-SERVASI, WAWANCARA DAN KUESIONER. JISOSEPOL: Jurnal Ilmu Sosial Ekonomi dan Politik, 3(1), 39–47. https://doi.org/10.61787/taceee75
Sari, M., Rachman, H., Juli Astuti, N., Win Afgani, M., & Abdullah Siroj, R. (2022). Explanato-ry Survey dalam Metode Penelitian Deskriptif Kuantitatif. Jurnal Pendidikan Sains dan Komputer, 3(01), 10–16. https://doi.org/10.47709/jpsk.v3i01.1953
Seswandi, A., & Anita, R. (2024). Efek Moderasi Suku Bunga Sertifikat Bank Indonesia Ter-hadap Hubungan Kinerja Keuangan Dengan Penyaluran Kredit. 1(1).
Siregar, A. A. (2022). EX POST FACTO DARI IMPLEMENTASI PROGRAM TAHFIZ AL-QUR’AN DENGAN METODE TALAQQI DAN MUSYAFAHAH MELALUI TARGET HARIAN DI SMP IT AD DURRAH. 4(2). https://doi.org/https://doi.org/10.35897/jurnaltinta.v4i2.882
Sopilah, P., & Lisnawati, L. (2020). The Effect Of Third Party Funds, Loan To Deposit Ratio, Non Performing Loans And Return On Assets On The Amount Of Credit Distribution. 9.
Waruwu, M. (2023). Pendekatan Penelitian Pendidikan: Metode Penelitian Kualitatif, Metode Penelitian Kuantitatif dan Metode Penelitian Kombinasi. 7(1).
Wijaya Putra University Surabaya Indonesia, Langodai, D. J., Lutfillah, N. Q., & Wijaya Putra University Surabaya Indonesia. (2019). THE INFLUENCE OF THIRD PARTY FUNDS, CAPITAL ADEQUACY RATIO, NON PERFORMING LOANS TO CREDIT DISTRIBU-TION ON THE INDONESIA STOCK EXCHANGE. Research in Management and Ac-counting, 2(1), 14–25. https://doi.org/10.33508/rima.v2i1.2599
Yulian, R., Fatihat, G. G., & Utami, E. M. (2024). The Effect of Third-party Funds, Non-performing Loans, and Capital Adequacy Ratio on Credit Disbursement with Credit Risk as a Moderating Variable. International Journal of Economics, Business and Management Research, 08(10), 01–12. https://doi.org/10.51505/IJEBMR.2024.81001
Anisa, P. (2025). Kinerja Keuangan dan Risiko Kredit pada Sektor Perbankan Indonesia. 1(1).
Budianto, E. W. H., Dewi, N. D. T., & Abidin, U. A. (2023). Pemetaan Penelitian Rasio Dana Pihak Ketiga (Dpk) Pada Perbankan Syariah Dan Konvensional: Studi Bibliometrik Vosviewer Dan Literature Review. Syi`ar Iqtishadi : Journal of Islamic Economics, Fi-nance and Banking, 7(1), 25. https://doi.org/10.35448/jiec.v7i1.19887
Fitriyah, F., Wardana, G. K., Handayati, P., & Maharani, S. N. (2024). Profitabilitas: Struktur Modal, Kebijakan Dividen, Nilai Bank dan Ukuran Bank Perbankan Syariah di Dunia. IQTISHODUNA, 20(1), 93–107. https://doi.org/10.18860/iq.v20i1.26445
Frans, F. G., Sunita Dasman, Sari, P. P., & Tiffani, D. A. (2024). Pengaruh Dana Pihak Ketiga (DPK), Non Performing Loand (NPL) dan BI Rate Terhadap Penyaluran Kredit Perbankan pada Bank Umum Indonesia Yang Terdaftar Di OJK Periode 2019 – 2023. Jurnal Manajemen Perbankan Keuangan Nitro, 7(2), 108–119. https://doi.org/10.56858/jmpkn.v7i2.348
Gayo, A. A., Prihatni, R., & Armeliza, D. (2022). Faktor – Faktor yang Mempengaruhi Penya-luran Kredit pada Bank Umum di Indonesia. Jurnal Akuntansi dan Keuangan, 10(1), 25. https://doi.org/10.29103/jak.v10i1.6099
Ghozali, I. (2018). APLIKASI ANALISIS MULTIVARIATE Dengan Program IBM SPSS 25 Edisi 9 (9th ed.). Universitas Diponegoro.
Kasmir. (2018). Banks and Other Financial Institutions. Rajawali Pers.
Kertyasih, N. N. A., Widnyana, I. W., & Wayan, I. (2023). PENGARUH DANA PIHAK KETIGA (DPK), PENYALURAN KREDIT, DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS PADA KOPERASI SIMPAN PINJAM SE-KOTA DENPASAR. 4(4). https://doi.org/https://doi.org/10.30388/emas.v4i4.6556
Khoiriyah, S., & Dailibas, D. (2022). PENGARUH NPL DAN LDR TERHADAP PROFITABILI-TAS (ROA). COMPETITIVE Jurnal Akuntansi dan Keuangan, 6(1), 138. https://doi.org/10.31000/competitive.v6i1.4602
Kushendratno, D., & Suharto, E. (2024). Pengaruh Rasio Indikator Tingkat Kesehatan Bank terhadap Kinerja Penyaluran Kredit pada Bank Umum Konvesional yang Tercatat di Bursa Efek Indonesia Periode 2019-2023. 4(6). https://doi.org/https://doi.org/10.31004/innovative.v4i6.16598
Lestari, H. F., Nusannas, I. S., & Ernawan, Y. (2022). Pengaruh Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan terhadap Profitabilitas. 1(1).
Mei, E. (2021). YAYASAN AKRAB PEKANBARU. 6.
Nasirin, A., Khafid, A., & Putra, G. K. (2024). Pengaruh Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Return on Asset (ROA) dan Non Performing Loan (NPL) Ter-hadap Penyaluran Kredit pada BPR di Wilayah Jawa Tengah Periode 2021 – 2023. 11(2).
Novi Sriwahyuni, Hesty Ervianni Zulaecha, Imam Hidayat, & Ahmad Jayanih. (2022). Pengaruh Dana Pihak Ketiga (DPK), Capital Adequancy Ratio (CAR), Loan To De-posit Ratio (LDR), Return On Asset (ROA), Terhadap Penyaluran Kredit. Jurnal Penelitian Ekonomi Manajemen dan Bisnis, 1(4), 152–168. https://doi.org/10.55606/jekombis.v1i4.684
Nugraha, B. (2022). Pengembangan Uji Statistik Implementasi Metode Regresi Linear Ber-ganda dengan Pertimbangan Uji Asumsi Klasik.
Rafiqoh, R., Chottam, Mersa, N. A., & Dachi, F. M. (2023). The Influence of Third Party Funds, Capital Adequacy Ratio, Non Performing Loans, and Return on Assets on Credit Distribution In Commercial Banks Listed on the Bei for the 2015–2022 Pe-riod. In A. Azizah, N. Fahmi, & E. Dwi Ariyani (Eds.), Proceedings of the International Conference on Applied Science and Technology on Social Science 2023 (iCAST-SS 2023) (Vol. 817, pp. 147–154). Atlantis Press SARL. https://doi.org/10.2991/978-2-38476-202-6_22
Ramadani, H. T. N., Astuti, R. P., & Novianti, E. R. (2025). Pengaruh Rasio Likuditas Dan Prof-itabilitas Terhadap Stabilitas Perbankan. 1(5).
Romdona, S., Junista, S. S., & Gunawan, A. (2025). TEKNIK PENGUMPULAN DATA: OB-SERVASI, WAWANCARA DAN KUESIONER. JISOSEPOL: Jurnal Ilmu Sosial Ekonomi dan Politik, 3(1), 39–47. https://doi.org/10.61787/taceee75
Sari, M., Rachman, H., Juli Astuti, N., Win Afgani, M., & Abdullah Siroj, R. (2022). Explanato-ry Survey dalam Metode Penelitian Deskriptif Kuantitatif. Jurnal Pendidikan Sains dan Komputer, 3(01), 10–16. https://doi.org/10.47709/jpsk.v3i01.1953
Seswandi, A., & Anita, R. (2024). Efek Moderasi Suku Bunga Sertifikat Bank Indonesia Ter-hadap Hubungan Kinerja Keuangan Dengan Penyaluran Kredit. 1(1).
Siregar, A. A. (2022). EX POST FACTO DARI IMPLEMENTASI PROGRAM TAHFIZ AL-QUR’AN DENGAN METODE TALAQQI DAN MUSYAFAHAH MELALUI TARGET HARIAN DI SMP IT AD DURRAH. 4(2). https://doi.org/https://doi.org/10.35897/jurnaltinta.v4i2.882
Sopilah, P., & Lisnawati, L. (2020). The Effect Of Third Party Funds, Loan To Deposit Ratio, Non Performing Loans And Return On Assets On The Amount Of Credit Distribution. 9.
Waruwu, M. (2023). Pendekatan Penelitian Pendidikan: Metode Penelitian Kualitatif, Metode Penelitian Kuantitatif dan Metode Penelitian Kombinasi. 7(1).
Wijaya Putra University Surabaya Indonesia, Langodai, D. J., Lutfillah, N. Q., & Wijaya Putra University Surabaya Indonesia. (2019). THE INFLUENCE OF THIRD PARTY FUNDS, CAPITAL ADEQUACY RATIO, NON PERFORMING LOANS TO CREDIT DISTRIBU-TION ON THE INDONESIA STOCK EXCHANGE. Research in Management and Ac-counting, 2(1), 14–25. https://doi.org/10.33508/rima.v2i1.2599
Yulian, R., Fatihat, G. G., & Utami, E. M. (2024). The Effect of Third-party Funds, Non-performing Loans, and Capital Adequacy Ratio on Credit Disbursement with Credit Risk as a Moderating Variable. International Journal of Economics, Business and Management Research, 08(10), 01–12. https://doi.org/10.51505/IJEBMR.2024.81001
Published
2026-08-02
How to Cite
Tsabita Rahma Fauziah, Winarni, & Gunawan Setianegara. (2026). The Influence of Fund Collection, Credit Risk, and Profitability on Credit Distribution. International Journal of Business and Quality Research, 4(03), 876-888. https://doi.org/10.63922/ijbqr.v4i03.5232
.png)
Contact Person +628563636289
Email : editor.ijbqr@gmail.com
