Analisis Pertumbuhan Industri Perbankan Terhadap Peningkatan Pertumbuhan Ekonomi Sumatera Utara
Denny Natanael Galingging
Drs. Sahat Silaen, MSi
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As a financial institution, bank has important contribution to improve the economic growth of a nation. To increase the welfare of a nation, bank is a mediator between unit surplus and unit defisit. Bank collects the fund from the unit surplus in a saving and give it to the unit defisit in a credit. Because bank has important contribution to improve the economic growth, government has been making an amount rules to control all of the banks in Indonesia. In the beginning, government was making Pakjun 1983 (Paket Juni) and then Pakto 1988 (Paket Oktober). Pakto was known as the beginning of liberalitation banking industrial that we could established bank easier than before the Pakto 1988. In this paper we want to know how large the banking industrial influence to the macro economic, include North Sumatera province. In order to solve the problem we lise simple regression function with ordinary least square technic to find the regression coefficient. The regression coefficient will show us the influenced of banking industrial in North Sumatera to the economic growth of North Sumatera. The regression use the quantity of bank, time deposit, and credit of bank in North Sumatera as the independent variable, and gross domestic regional product as dependent variable. This research use time series with eleven years from 1994 to 2004. Based on this research, the banking industrial which is consist of quantity of bank, time deposit, and credit of bank in North Sumatera has positive regression coefficient with the North Sumatera's gross domestic regional product. But only credit has a significant influence to the North Sumatera's gross domestic regional product.
- SP - Economic Development