Analisis Faktor-Faktor Yang MempengaruhiJumlah Kredit Sektoral Di Sumatera Utara

The objective of this research is to analyze factors affect sectoral loan in North Sumatera Province. By using several economic, monetary and finance theories and from previous research on loans. The observed in this research consist of Gross Domestic Regional Product (GDRP), sum of bank office, interest rate of loan, interest rate of deposit and reserve requirement.This research used pooled data, time series data and cross section data in the period of 2001-2008, The data is obtained from statistical board of North Sumatera and Central Bank of Indonesia. This research used generalized least squares method with pooled model with fixed effect cross section weights model.According to the result of estimation, this research find that factors affect significantly on the sectoral loan in Sumatera Utara are Gross Domestik Regional Product (GDRP), sum of bank office, interest rate of loan, and interest rate of deposit. The factor that does not affect significantly on the sectoral loan in Sumatera Utara. The GDRP and sum of bank office positively influence sectoral loan in Sumatera Utara. The interest rate of loan, interest rate of deposit and reserve requirement negatively influence sectoral loan in Sumatera Utara.