Dwi Anjani, Riris (2023) ANALISIS FAKOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT PERBANKAN DI INDONESIA PERIODE 2015-2021. S1 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
The development of banking in a country very quickly will affect the economy of a country. changes in banking activities that are generally visible, namely lending. lending to banks is influenced by several factors such as lending rates, inflation (CPI), Third Party Funds (DPK), Non Performing Loans (NPL) and many more. This study aims to analyze the response of lending or credit as well as the contribution percentage in the event of a shock on macroeconomic variables. Vector Error Correction Models (VECM) are used as a research method with a range from January 2015 to December 2021. The variables used in this study are lending as the dependent variable, while credit interest rates, inflation (CPI), Third Party Funds (DPK) , Non Performing Loans (NPL) as an independent variable. The results of the study explained that there was a response between SBK_INVES, SBK_MK, SBK_KONSUM, DPK, NPL to the PK variable itself which showed a negative response, and there was a response from the TPF variable to the PK variable which showed a positive response. Meanwhile, the VD results explain that the variable itself makes a major contribution to lending in Indonesia.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Perkembangan perbankan di sautu negara sangatlah cepat akan mempengaruhi perekonomian suatu negara. perubahan pada aktivitas perbankan yang umunya rerlihat yaitu penyaluran kredit. penyaluran kredit terhadap perbankan dipengaruhi oleh beberapa faktor seperti suku bunga kredit, inflasi (IHK), Dana Pihak Ketiga (DPK), Non Performing Loans (NPL) dan masih banyak lagi. Studi ini bertujuan untuk menganalisis respon penyaluran kredit atau kredit serta besaran persentase kontribusi jika terjadi shock pada variabel makroekonomi. Vector Error Correction Models (VECM) digunakan sebagai metode penelitian dengan rentang waktu Januari 2015 hingga Desember 2021. Variabel yang digunakan pada penelitian ini adalah penyaluran kredit sebagai variabel dependen, sedangkan seperti suku bunga kredit, inflasi (IHK), Dana Pihak Ketiga (DPK), Non Performing Loans (NPL) sebagai variabel independen. Hasil penelitian menjelaskan bahwa terdapat respon antara SBK_INVES, SBK_MK, SBK_KONSUM, DPK, NPL terhadap variabel PK sendiri menunjukkan respon yang negatif, dan terdapat respon variabel DPK terhadap Variabel PK yang menjukkan respon pitotif. Sedangkan pada hasil VD menjelaskan bahwa yang memberikan kontribusi besar terhadap penyaluran kredit di Indonesia adalah variabel itu sendiri. | |||||||||
| Uncontrolled Keywords: | lending rates, inflation (CPI), Third Party Funds (DPK), Non Performing Loans (NPL), VECM Suku Bunga Kredit, Inflasi (IHK), Dana Pihak Ketiga (DPK), Non Performing Loans (NPL), VECM | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions |
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| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 60201-Program Sarjana Ilmu Ekonomi Pembangunan |
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| Depositing User: | RIRIS DWI ANJANI | |||||||||
| Date Deposited: | 19 Oct 2023 14:50 | |||||||||
| Last Modified: | 23 Oct 2023 11:37 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/30525 |
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