ANALISIS PENGARUH SUKU BUNGA, INFLASI DAN PDB TERHADAP JUMLAH PERMINTAAN KREDIT PERBANKAN DI INDONESIA TAHUN 2009-2019
DOI:
https://doi.org/10.22219/jie.v5i2.13901Keywords:
Interest Rates, Inflation, and Gross Domestic ProductAbstract
Credit demand has an important role and affects economic growth. The demand for credit can be influenced by various factors, both internal and external. This study aims to see how much influence the macroeconomic factors have on the demand for bank credit in Indonesia. The data used in this research is secondary data in the form of quarterly data for the 2009-2019 period. The results show that simultaneously there is a significant positive effect contributed by the variable rate of inflation, exchange rate, and Gross Domestic Product on banking stock prices in Indonesia with a Prob value. F-statistic 0.0000 <0.05. The partial results show that interest rates have a significant negative effect on banking stock prices, inflation has a negative and insignificant effect on bank credit demand, while Gross Domestic Product has a significant positive effect on bank credit demand in Indonesia
Downloads
References
Abdullah, F. (2003). Dasar-dasar Manajemen Keuangan Edisi Pertama. Malang: Universitas Muhammadiyah.
Akmal, F., & Abubakar Hamzah, R. M. (2014). FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN KREDIT PADA BANK UMUM DI ACEH. Jurnal Ilmu Ekonomi: Program Pascasarjana Unsyiah, 2(4).
Djafar, S., Kalangi, J. B., & Tenda, A. R. (2014). Faktor-Faktor yang Mempengaruhi Permintaan Kredit Investasi pada Bank Umum di Provinsi Gorontalo. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 2(1).
Eswanto, E., Andini, R., & Oemar, A. (2016). PENGARUH TINGKAT SUKU BUNGA PINJAMAN, NON PERFORMING LOAN, DANA PIHAK KETIGA, INFLASI DAN PRODUK DOMESTIK REGIONAL BRUTO TERHADAP PERMINTAAN KREDIT BANK UMUM DI JAWA TENGAH PERIODE 2009-2013. Journal Of Accounting, 2(2).
Firda Gaby (2012) ANALISIS PENGARUH DANA PIHAK KETIGA, TINGKAT SUKU BUNGA, DAN NON PERFORMING LOAN TERHADAP PENYALURAN KREDIT UMKM PADA BANK UMUM DI INDONESIA. Jurnal Ekonomi Pembangunan. Universitas Muhammadiyah Malang
Kasmir, S. E. (2011). MM (2010). Pengantar Manajemen Keuangan.
Kholisudin, A. (2011). Determinan Permintaan Kredit Pada Bank Umum Di Jawa Tengah (2006-2010). Universitas Negeri Semarang.
Mankiw, N. G. (2007). Makroekonomi edisi keenam. Jakarta: Erlangga.
Miskhin, F. S. (2009). Ekonomi Uang, Perbankan, dan Pasar Keuangan Buku 2 Edisi 8. Salemba Empat. Jakarta.
Muana, N. (2005). Makro Ekonomi, Teori, masalah dan kebijakan. Jakarta: PT Raja Grafindo Persada.
Mukhlis, I. (2015). Ekonomi Keuangan dan Perbankan: Teori dan Aplikasi. Jakarta: Salemba Empat.
Nasution, M. (1998). Ekonomi Moneter. Uang Dan Bank, Jakarta: Penerb It Dj Embatan.
Ningsih Daryanti (2010) Analisis Permintaan Kredit Investasi Pada Bank Swasta Nasional di Jawa Timur. Jurnal Ekonomi Pembangunan Universitas Muhammadiyah Malang.
Samuelson, P. A., & Nordhaus, W. D. (2004). Ilmu Makroekonomi. Jakarta: PT. Media Global Edukasi.
Siagian, D. H., Rosyetti, R., & Darmayuda, D. (n.d.). Analisis Pengaruh Suku Bunga Dan Produk Domestik Bruto Terhadap Permintaan Kredit Pemilikan Rumah Pada Bank Tabungan Negara Di Indonesia Tahun 2001-2014. Riau University.
Sri, M.W.S (2010) Pengaruh Produk Domestik Bruto (PDB) dan Indeks Pembangunan Manusia (IPM) Terhadap Angka Kemiskinan di Indonesia. Jurnal Ekonomi Pembangunan. Universitas Brawijaya Malang.
Sukirno, S. (1985). Ekonomi pembangunan. Jakarta: LPEF-UI Bima Grafika.
Ulum, I., & Juanda, A. (2018). Metode Penelitian Akuntansi. Edisi 2. Yogyakarta: Aditya Media Publishing.
Data Inflasi 2009-2019 www.bi.go.id
Data Produk Domestik Bruto 2009-2019 www.bps.go.id
Data Suku Bunga 2009-2019 www.ojk.go.id
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2021 Jurnal Ilmu Ekonomi JIE
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- For all articles published in the JIE (Jurnal Ilmu Ekonomi), copyright is retained by the authors. Authors give permission to the publisher to announce the work with conditions. When the manuscript is accepted for publication, the authors agree to the automatic transfer of non-exclusive publishing rights to the publisher.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
This is an open access article and licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License