ABSTRAK
Penelitian ini merupakan penelitian yang bertujuan untuk menguji dan menjelaskan pengaruh dari ukuran bank, modal, kewajiban jangka panjang, provision for loan losses, kepemilikan bank pemerintah, dan kepemilikan bank asing  terhadap penyaluran kredit jangka pendek dan jangka panjang. Penelitian ini dilakukan pada 30 bank umum konvensional yang terdaftar di Bursa Efek Indonesia periode 2010-2014. Metode purposive sampling digunakan dalam pemilihan sampel. Jenis penelitian ini merupakan penelitian deskriptif kuantitatif dan menggunakan teknik analisis regresi linier berganda.
Berdasarkan hasil uji F, diketahui bahwa seluruh variabel independen secara simultan berpengaruh signifikan baik terhadap penyaluran kredit jangka pendek dan kredit jangka panjang. Berdasarkan hasil uji t dan analisis regresi linier berganda,  dapat disimpulkan bahwa: 1) modal berpengaruh positif signifikan pada kredit jangka pendek, 2) kewajiban jangka panjang berpengaruh negatif signifikan pada kredit jangka pendek, 3) ukuran bank, provision for loan losses, kepemilikan bank pemerintah, dan kepemilikan bank asing tidak berpengaruh pada kredit jangka pendek, 4) ukuran bank, kewajiban jangka panjang, kepemilikan bank pemerintah dan kepemilikan bank asing berpengaruh positif signifikan pada kredit jangka panjang, 5) provision for loan losses berpengaruh negatif signifikan pada kredit jangka panjang, 6) modal tidak berpengaruh terhadap penyaluran kredit jangka panjang.
Kata kunci: Bank, penyaluran kredit, kredit jangka pendek, kredit jangka panjang.
ABSTRACT
This study is an investigation which aims to test and explain the influence of bank size, capital, long-term liabilities, provision for loan losses, state-owned bank, and foreign-owned bank toward short-term loan and long-term loan distributions. This study is done on 30 conventional commercial banks that listed on Indonesian Stock Exchange ranged 2010-2014. Purposive sampling method was used in sampling. This type of research is a quantitative descriptive study and use ordinary least square technique.
Based on F test results, it is known that all the independent variables simultaneously significantly affect short-term loan as well as long-term loan distributions. Based on t test results and ordinary least square analysis, can be concluded that: 1) capital takes effect positive significantly on short-term loan, 2) long-term liabilities takes effect negative significantly on short-term loan, 3) bank size, provision for loan losses, state-owned bank and foreign-owned bank doesn’t take effect on short-term loan, 4) bank size, long-term liabilities, state-owned bank, and foreign-owned bank take effect positive significantly on long-term loan, 5) provision for loan losses takes effect negative significantly on long-term loan, and 6) capital doesn’t take effect on long-term loan distribution.
Keywords: Bank, credit distribution, short-term loan, long-term loan.