Analisis Pengaruh Kredit yang Disalurkan Bank Asing dan Bank Campuran Terhadap Pertumbuhan Ekonomi Sumatera Utara
Drs. A. Samad Zaino, MS.
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Foreign bank is a kind of the commercial bank type based on its equity ownership. This bank operate as one part of the financial institution globalization expanding at the end of this decade. There are a lot of opinion about existency of this bank, many country were pro and also contra based 'on the activity of this bank in their country. Group which is pro express that foreign bank can become a new fund bases fostering developing country to expand and create competition which made local banks become more eficient and operate effective, in other way many country have a different opinion about their existency. The foreign bank identic with the new colonized but in the different way, they will make the local bank blow in the competition of market and they will make a new problem in host country, because they will not share the market with the local bank. The problem of the existency of the foreign bank make a reason that it is necessary to know if it's have positive or negative influenced to the macro economic, include North Sumatera province. In order to solve the problem we use simple regresion function with ordinary least square technic to find the regression coeficient. The regression coeficient will show us the influenced of the foreign bank to North Sumatera economic. The regression are use the credit of foreign bank, the credit of government bank and the government expenditure as the independent variabel, and gross national product (GNP) as dependent variabel. This research use time series with ten years since 1992 until 2002. Based on the research the foreign bank has a positif regression coefficient with the North Sumatera's gross domestic regional product which the coeficient is 4,488. Based on the coeficient foreign bank in North Sumatera prove that they have a positif existency.
- SP - Economic Development