Analisis Faktor-Faktor yang Mempengaruhi Permintaan Kredit Perbankan di Sumatera Utara
Devi R. Situmorang
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Bank is a financial intermediary which it's activity to collect funds from society is called saving and to allocate the funds to society, called credit. The allocation of credit is done to get profit. The profit that's received is interest, as recompose from customer. This profit is important to continuity of banking life and to enlarge the customer business which need funds as investment credit or capital for business. The total of demand to credit bank is very influenced by some factors, such as interest rate in credit or in deposit. Theoretically if interest rate increase will make the demand for credit decrease. The demand for banking credit is very influenced by the economic growth too. If the economic condition is good will make the society have willingness to get credit from bank. The increasing of population will influence the demand of credit which everyone want to do economic activity, automatically, they need funds to launched their activity. Based on this research, interest rate in credit .economic growth and population growth is not significant with the demand of banking credit in North Sumatera. But interest rate in deposit is significant with the demand of banking credit in North Sumatera. The four factors are together influence the total credit demand is 77.3 and the rest is 22.7% is set by the other factors which are not put into model of estimation.
- SP - Economic Development