Banking Performance Affects Working Capital Loans Growth: Evidence From The Indonesian Banking Industry

Abstract This study aims to analyze the effect of third-party funds, non-performing loans, loan-to-deposit ratio, net interest margin, and operating-income-to-operating-expenses on growth working capital loans disbursement in Indonesian banking industry. Making use purposive sampling technique, thirteen out a population forty six conventional commercial banks listed Stock Exchange were selected as this study’s samples. Quantitative secondary data obtained from these banks’ annual reports 2011-2019 analyzed by panel regression method with fixed approach. The results show that operating-expenses-to-operating-income have statistically significant positive loans. Non-performing is shown non-significant growth.