How Do Third-Party Funds Affect Loans?

Suko Basuki Wibowo Tunggul Raharjo; Etty Puji  Lestari; Adhi  Susilo

doi:10.59889/ijembis.v4i1.386

Authors

Suko Basuki Wibowo Tunggul Raharjo Universitas Terbuka
Etty Puji Lestari Universitas Terbuka
Adhi Susilo Universitas Terbuka

DOI:

https://doi.org/10.59889/ijembis.v4i1.386

Keywords:

Deposits, Savings, Current Accounts, Third-Party Funds

Abstract

The article aims to analyze the influence of third-party funds on the loan given to PT. Bank Rakyat Indonesia (Persero) Tbk Kanca Curup. The method used is multiple linear regression. Variables ? are the number of loans, savings, current accounts, and deposits. Research results show that the amount of funds raised, that is, current accounts, savings, and deposits in the future, positively and significantly influenced loans provided.? Deposits are the dominant factor that influences the size of the loan given. Thus, banks should pay more attention to the existence of third-party funds because this will affect their banking performance. Concrete steps that can be taken to increase the collection of third-party funds are improving services and introducing various types of banking service products with appropriate interest rates.

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