| Summary: | This research aims to analyze the effect of CAR, ROA, ROA and NPL to
lending growth in the rural banks in Indonesia in 2008-2012. The data in this
study is obtained from the Indonesian Banking Statistics published on the website
of Bank Indonesia. In general, rural banks in Indonesia are grouped according to
the province. There are 600 samples, consisting of 10 provinces as the cross
section data and research during the period January 2008 to December 2012 as
time series data.
The technique used for sampling is purposive sampling, the sampling
based on a specific purpose. The analysis technique used is multiple regression
and hypothesis testing using one-tail t test.
Our analysis found that CAR or BOPO positively affects lending growth
but it is not significant statistically. Meanwhile, ROA or NPL had a negative effect
but it is not significant statistically. Based on the estimation showed that 61% of
loan growth variation can be explained by the CAR, ROA, ROA, and NPL.
Meanwhile, the remaining 39% is explained by other variables outside equation.
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