Analisis Faktor-Faktor yang Mempengaruhi Perkembangan Kredit Investasi pada Bank Umum di Sumatera Utara
Drs. Iskandar Syarief, MA
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Investment credit is a kind of main credit given by banks to public in order to increase their bussiness. Through this credit provision, banks also performed it's functions as agent of development besides it's other function as financial intermediary institution. There are many factors influencing it's growth. The main factors, which has large influences such as interest rate, inflation rate, and expectation. The objective of this study is to analyze the influences of inflation rate and GDRP (Gross Domestic Regional Product) on the growth of investment credit offered by common banks either partially or collectively in the province of North Sumatera. The reason for choosing this two variables is because both of it reflects generally the economic of North Sumatera conditions. As we know that the condition of macroeconomic has a strong influence in public's expectations in order to make any decession in investment. For the purpose, there are several hypothesis suggested as follows: 1.Inflation rate has significantly influenced on the growth of investment credit. 2.GORP has significantly influenced on the growth of investment credit. The data employed is secondary data which is collected from the monthly or yearly report published by Bank Indonesia (BI) and Badan Pusat Statistik (BPS). Data observed is 13 years with range between 1990-2002. The model used to analyze data is multiple regression with Ordinary Least Square (OLS) method. The result shows that: 1.Inflation rate has negative influence on investment credit growth. 2.GDRP has positive influence on investment credit growth. 3.Partially test shows that GDRP has significant influence on investment credit at 95 % of confidence level whereas inflation rate has not significant in the same level of confidence. 4.The over all test shows that both inflation rate and GDRP collectively has significant influence on investment credit at 95 % of confidence level.
- SP - Economic Development