Sri Hermuningsih
hermun_feust@yahoo.co.id
Dewi Kusuma Wardani
d3wi_kusuma@yahoo.co.id
Fakultas Ekonomi, Universitas Sarjanawiyata Tamansiswa
Abstract
This study aimed to analyze the influence of external factors and skim credit interest to the performance of conventional bank lending. The population in this study are all banks listed on the stock exchanges of Indonesia. Sampling technique, using purposive sampling and number of samples are 20 banks.Analysis technique is structural equation model (SEM).
The findings indicate, 1) external factors have a positive and significant impact on bank lending scheme, the variable that has the dominant contribution to the dimensions of external factors are SBI, 2) schemes negatively affect bank lending to bank performance, the variable that has the dominant contribution to the dimensions of skim interest rate is the interest rate for working capital and 3) bank lending schemes act as an intervening variable in the external factors influencing the performance of konvensionalyang bank lending.dominant variable as an indicator of bank performance is the most dominant LDR.Yang LDR
Kata kunci: Faktor Ekstern, Skim Bunga Kredit, Kinerja Bank