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"Penelitian ini membahas pengaruh capital ratio terhadap business lending pada Bank Umum Konvensional yang tercatat di Bursa Efek Indonesia periode 2011-2015 dengan menggunakan metode unbalanced panel. Penelitian dilakukan pada keseluruhan bank, bank berukuran kecil, bank berukuran besar, berkapitalisasi tinggi, dan berkapitalisasi rendah guna mengetahui apakah terdapat pengaruh capital ratio terhadap business lending pada bank secara keseluruhan, maupun bank dengan kategorisasi. Hasil penelitian menunjukkan pengaruh rasio modal, baik menggunakan CAR ataupun Tier 1 pada bank high, low, big high,small high, dan small low berhubungan negatif signifikan terhadap perubahan kredit bisnis perbankan Indonesia periode 2011-Q1 hingga 2015-Q4, kecuali pada bank berkapitalisasi big low tidak berpengaruh signifikan karena terdapat faktor lain yang lebih berpengaruh, yaitu liquidity. Pengaruh negatif signifikan sesuai dengan yang terjadi di Indonesia yaitu adanya kebijakan BI CountercyclicalBuffer terkait peningkatan cadangan modal bank dengan menekan pertumbuhan kredit guna mengantisipasi timbulnya dan/atau meningkatnya risiko sistemik yang berasal dari pertumbuhan kredit yang berlebihan.

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This study discusses the effect of capital ratio on business of lending on commercial bank listed on the IndonesiaStock Exchange period 2011 2015 using the unbalanced panel. The results showed the effect of capital ratios, usingeither CAR or Tier 1 bank high, low, big high, small high, and small low negatively related significantly to changesin business lending of Indonesia Banking period 2011 Q1 to 2015 Q4, except in the big low capitalization has nosignificant effect because there are other more influential factors, namely liquidity. Significant negative influenceaccording to what happened in Indonesia, namely the existence of policies Countercyclical Buffer BI relatedincrease in banks 39 reserve requirement by suppressing the growth of credit in order to anticipate the onset and orincreased systemic risk emanating from excessive credit growth."

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