ANALISIS FAKTOR-FAKTOR PENAWARAN KREDIT KONSUMTIF PADA BANK PEMERINTAH DI SUMATERA UTARA

Susanty S., Dewi (2017) ANALISIS FAKTOR-FAKTOR PENAWARAN KREDIT KONSUMTIF PADA BANK PEMERINTAH DI SUMATERA UTARA. Masters thesis, UNIMED.

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Abstract

Penelitian ini dilatarbelakangi oleh kenyataan bahwa Penawaran Kredit Konsumtif Sumatera Utara berperan terhadap pertumbuhan ekonomi namun kredit konsumtif yang disalurkan oleh perbankan belum optimal. Jumlah kerdit konsumtif pada Bank Pemerintah di Sumatera meningkat, namun peningkatan tersebut belum seperti yang diharapkan. Penelitian ini bertujuan menganalisisi faktor-faktor yang mempengaruhi jumlah kredit konsumtif pada bank pemerintah di Sumatera Utara. Dengan menggunakan beberapa teori ekonomi, moneter dan keuangan dan penelitian sebelumnya terhadap jumlah kredit konsumtif, maka variable yang diamati dalam penelitian ini adalah tingkat suku bunga, Produk Domestik Regional Bruto (PDRB), Inflasi, Giro wajib minimum (GWM) dan jumlah kantor bank. Penelitian ini maenggukan data time series per triwulan selama kurun waktu 2005-2014, yang merupakan data sekundr dari Badan Pusat Statistik Provinsi Sumatera Utara dan Bank Indonesia dengan menggunakan metode OLS (Ordianry Least Square). Berdasarkan Hasil estimasi, peneliti menemukan bahwa variable makro ekonomi yang signifikan mempengaruhi jumlah kredit konsumtif pada bank pemerintah di Sumatera Utara adalah variable : tigakat suku bunganberpengaruh positif signifikan terhadap jumlah kredit pada pemerintah, PDRB berpengaruh egatif signifikan terhadap jumlah kredit di Sumatera Utara, Inflasi berpengaruh positif signifiakan terhadap jumlah kredit, Giro wajib minimum berpengaruh negatif tidak signifikan terhadap jumlah kredit. Jumlah kanor bank berpengaruh negatif signifikan terhadap jumlah kredit.

Item Type: Thesis (Masters)
Contributors:
ContributionNameNIDN/NIDK
Thesis advisorRuslan, Dede196507041990031002
Thesis advisorNugrahadi, Eko Wahyu196407031991031005
Call Number: 332.759 812 Sus a
Keywords: Kredit konsumtif; Tingkat suku bunga; PDRB; Inflasi; Giro wajib minimum; Jumlah kantor bank
Subjects: H Social Sciences > HG Finance > HG1501 Banking
H Social Sciences > HG Finance > HG1501 Banking > HG1641 Bank loans. Bank credit. Commercial loans
H Social Sciences > HG Finance > HG3691 Credit. Debt. Loans
Divisions: Program Pasca Sarjana > Ilmu Ekonomi
Depositing User: Mrs Siti Nurbaidah
Date Deposited: 21 Nov 2017 08:31
URI: http://digilib.unimed.ac.id/id/eprint/27257

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