Analisis Kointegrasi Dan Pengaruh Tingkat Suku Bunga, Giro Wajib Minimum Dan Inflasi Terhadap Pertumbuhan Kredit Yang Disalurkan Oleh Bank Umum Di Sumut
The research title is “Analisis Kointegrasi Dan Pengaruh Tingkat Suku Bunga, Giro Wajib Minimum Dan Inflasi Terhadap pertumbuhan Kredit Yang Disalurkan Bank Umum Di Sumut”. The world of banking is important sector in supporting of economies increasing. The improvement of macroeconomic condition by controlled inflation rate, decrease of interest rate and decrease of reserve requirement decided by Bank Indonesia, because this is can be influence for liquidity of bank. The credit distributed by banking has not been sufficient to be a supporting machine for economical growth, but distributed of banking credit in Sumut more increasing from year to year.This condition represented growth for human business climate like working capital, investment credit and consumption credit. This study aims to look term relationship and influence of interest rate, current acoount and inflation requirement for credit growth.Data analysis methods used in this study are cointegration model and ordinary least square (OLS). Calculation model used is eviews 5.1 used data from the years 1990-2008 (19 years). Results show that credit interest rates have a negative effect on the growth of outstanding loans by commercial banks. GWM and inflation level has a positive influence on the amount of loans growth. three independent variables (inflation, interest rates, GWM) has a bound variable cointegration the growth of outstanding loans of commercial banks.
Year of publication: |
2011-05-18
|
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Authors: | Siburian, Sulastri |
Other Persons: | Sudardjat, Ilyda (contributor) |
Subject: | Suku Bunga Kredit | Inflasi | Giro Wajib Minimum | Jumlah Kredit | OLS | Kointegrasi |
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