Analisis Faktor-faktor yang Mempengaruhi Kredit Konsumsi Di Sumatera Utara
Romi Julianto Sirait
Drs. Rujiman, MA.; Drs. Iskandar Syarif, MA.
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Consumer loans are made to finance consumption. Consumer loans make possible the consumption of goods and services in advance of the consumer's ability to pay; as a result, consumers can enjoy a higher standard of living. Such loans are made for a multitude of purposes, including the purchase of automobiles, household appliances, furniture, medical services, vacations, and so on. With the rise in incomes, consumer credit, especially that provided by commercial banks, has been growing for many years. There are many factors influencing consumer credit's growth. The objective of this study is to analyze those factors and find out which factor has the largest influence on consumer credit that provided by commercial banks in North Sumatera. The main factors analyzed are inflation rate and GDRP per Kapita (PDRB per Kapita). The reason for choosing this two variables is because both of it reflects generally the economic condition in North Sumatera. The data employed is secondary data which is obtained from the monthly and yearly report by Bank Indonesia (BI) and Badan Pusat Statistik (BPS). Data observed is 11 years with range between 1993-2003 The model used to analyzed data is multiple regression with Ordinary Least Square (OLS) method. The result shows that Inflation rate has negative influence on consumer credit and GDRP per Kapita has positive influence on consumer credit, Partially test result shows that GDRP per Kapita has significantly influence on consumer credit at 95% level of confidence whereas inflation rate has not significant in the same level of confidence. The over all test shows that both inflation rate and GRDP per Kapita collectively has significantly influence on consumer credit at 95% level of confidence.
- SP - Economic Development