Sumber Dana Bank dan Peran Dana Pihak Ketiga dalam Intermediasi dan Profitabilitas Perbankan: Telaah Literatur

Ahmad Sofyan Hadi; Verra Irsyan S; Putri Natasya

doi:10.61132/moneter.v4i3.2736

Authors

Ahmad Sofyan Hadi Universitas Budi Luhur
Verra Irsyan S Universitas Budi Luhur
Putri Natasya Universitas Budi Luhur

DOI:

https://doi.org/10.61132/moneter.v4i3.2736

Keywords:

Banking Fund Sources, Banking Intermediation, Liquidity, Profitability, Third-Party Funds

Abstract

This study employs a descriptive literature review method (traditional review) to analyze 15 journal articles published between 2015 and 2025 that address third-party funds (DPK), capitalization, credit or financing disbursement, and profitability. The findings indicate that third-party funds are linked to fund disbursement capacity—specifically exerting a positive influence on credit disbursement among banks listed on the Indonesia Stock Exchange—though their relationship with profitability is inconsistent. Some studies report a positive impact on Return on Assets (ROA), while others find no partial effect; one study identifies a negative impact, and a mediation study reveals a negative direct effect alongside a positive indirect effect mediated by the intermediation ratio. This variation stems from differences in the subjects of study, timeframes, and accompanying variables such as credit risk, efficiency, and liquidity. The implication is that fund mobilization must be accompanied by productive disbursement, risk control, cost-of-funds management, and liquidity maintenance to preserve the bank's intermediation function. As this study is narrative in nature and does not document the specific number of articles at the screening stage, it does not claim to be a systematic review.

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