Nurwahyuni, Nabila (2025) DETERMINAN PENYALURAN KREDIT 3 SEKTOR EKONOMI PADA BANK KONVENSIONAL PERIODE 2016 - 2023. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
This study aims to analyze the effect of Monetary Policy using changes in the BI Rate as a proxy, Financial Inclusion with the dimension of use (number of credit accounts per 1000 adults) as a proxy, Inflation, Third Party Funds (TPF), and Loan to Deposit Ratio (LDR) on Credit Distribution in the Agricultural Sector, Manufacturing Industry Sector, and Trade Sector at 40 conventional banks in Indonesia for the period 2016 to 2023. The analytical tool used in this study is the dynamic panel data analysis method with the system GMM model approach (SYSGMM). Based on the results of the analysis with the SYS-GMM approach, it was found that the BI rate had a significant negative effect on credit distribution in the agricultural sector and the trade sector both in the short and long term but was not significant for the Manufacturing industry sector. The results also showed that Financial Inclusion had a significant negative effect on credit distribution in the trade sector both in the short and long term but was not significant for the manufacturing industry sector and the agricultural sector. Inflation had a significant positive effect on credit distribution in the agricultural sector and trade sector credit both in the short and long term but did not have a significant effect on credit distribution in the manufacturing industry sector. Furthermore, DPK and LDR have a significant positive effect on the distribution of agricultural sector credit, manufacturing industry sector credit and trade sector credit in the short and long term.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Penelitian ini bertujuan untuk menganalisis pengaruh dari Kebijakan Moneter menggunakan perubahan BI Rate sebagai proxy, Inklusi Keuangan dengan dimensi penggunaan (jumlah rekening kredit per 1000 orang dewasa) sebagai proxy , Inflasi DPK, dan LDR terhadap Penyaluran Kredit Sektor Pertanian, Sektor Industri Pengolahan, dan Sektor Perdagangan pada 40 bank konvensional di Indonesia periode tahun 2016 sampai dengan tahun 2023. Alat analisis yang digunakan dalam penelitian ini adalah metode analisis data panel dinamis dengan pendekatan model system GMM (SYS-GMM). Berdasarkan hasil analisis dengan pendekatan SYSGMM ditemukan bahwa BI rate berpengaruh negatif signifikan terhadap penyaluran kredit sektor pertanian dan sektor perdagangan baik dalam jangka pendek maupun jangka panjang namun tidak signifikan terhadap sektor industri pengolahan. Hasil penelitian juga menunjukkan bahwa Inklusi Keuangan berpengaruh negatif signifkan terhadap penyaluran kredit sektor perdagangan baik dalam jangka pendek maupun jangka panjang namun tidak signifikan terhadap sektor industri pengolahan dan sektor pertanian. Inflasi berpengaruh positif signifikan terhadap penyaluran kredit sektor pertanian dan kredit sektor perdagangan baik dalam jangka pendek maupun jangka panjang namun tidak berpengaruh signifikan terhadap penyaluran kredit sektor industri pengolahan. Selanjutnya DPK dan LDR berpengaruh positif signifikan terhadap penyaluran kredit sektor pertanian, kredit sektor industri pengolahan dan kredit sektor perdagangan dalam jangka pendek dan jangka panjang. | |||||||||
| Uncontrolled Keywords: | Agricultural Sector Credit, Manufacturing Industry Sector Credit, Trade Sector Credit, BI rate, Financial Inclusion, Inflation, Third Party Funds (TPF), Loan to Deposit Ratio (LDR) and SYS-GMM. Penyaluran Kredit Sektor Pertanian, Sektor Industri Pengolahan, Sektor Perdagangan, BI Rate, Inklusi Keuangan, Inflasi, Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR), dan SYS-GMM | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HG Finance |
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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: | Nabila Nurwahyuni | |||||||||
| Date Deposited: | 23 Oct 2025 06:31 | |||||||||
| Last Modified: | 23 Oct 2025 06:31 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/55487 |
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