ANALISIS PENGARUH KECUKUPAN MODAL, LIKUIDITAS, PROFITABILTASDAN RISIKO KREDIT TERHADAP PENYALURAN KPR PADA BANKPERSERO DAN BUSN

Abstract

This study aims to determine the effect of capital adequacy, liquidity, profitability, and the
credit risk of the mortgage portfolio at Bank Limited and BUSN. This analysis will be used
as a reference both for owners, investors, customers, and other stakeholders. Of the two
types of bank, namely Bank Limited and BUSN, there are 38 companies sampled and they
will be analyzed from 2011 to 2013. The source of data that will be used in this research
are the company's annual report samples, the official website and the website of Bank
Indonesia and Indonesian Banking Statistics. This type of research uses quantitative
approach with multiple linear regression method. The results showed that liquidity is the
only variable which affects the mortgage portofolio.
Keywords: mortgage, capital adequacy. Liquidity, profitability, and credit risk