Analysis of Determinants of Credit by Commercial Banks to Indonesia’s Fisheries Sector from the Demand Side

Journal Title: Journal of Economics, Finance and Management Studies - Year 2023, Vol 6, Issue 09

Abstract

The growth of financial institutions such as banks is crucial to a country's economy. Not only as a source of financing, is banking also able to influence the business cycle of the economy as a whole. Moreover, Indonesia is a developing country that requires development in various sectors. Credit is an effective financing solution and is quite reliable in terms of financing. However, as one of the most potential sectors, the fisheries sector is actually one of the ones that has minimal credit allocation. This phenomenon occurs because it is influenced by several factors, including external and internal factors. In line with this, this study wants to see what influences credit disbursement when viewed from the demand side by making GDP, credit interest rates, and inflation variables. The method used is the quantitative method of the ECM (Error Correction Model) model, which is processed using Eviews 12. From this study, it is known that GDP and inflation have a significant positive effect in the long term, and the lending rate has a significant negative effect on lending. In the short term, GDP, lending rates, and inflation simultaneously have no effect on credit.

Authors and Affiliations

Mareta Dwi Sagito, Sishadiyati

Keywords

Related Articles

Analysis of The Influence of Application Design, Customer Service, Security/Privacy, and Fulfillment Towards Customer Loyalty Through Customer Satisfaction and Customer Trust as Intervening Variable on The Customers of Shopee Application in Medan, Indonesia

This study is conducted to analyze the influence of application design, customer service, security/privacy, and fulfillment towards customer loyalty through customer satisfaction and customer trust as intervening variabl...

Effect of Financial Performance on Firm Value in Pharmaceutical Sub-Sector Companies on the IDX

The purpose of this study was to examine the impact of financial performance on firm value, with profitability being a moderator variable for firms in the pharmaceutical subsector. The data used in this study is pharmace...

The Impacts of Benefits Perception and Risks Awareness on Participating In Voluntary Social Insurance - A Study on Informal Workers in Hanoi Area

Voluntary social insurance is the type of social insurance that an employee voluntarily participates in, it is allowed the employee to choose the payment rate and method of payment in accordance with his/her income, base...

Assessing the Impact of the Work from Home Phenomena on Employee Productivity in Clinton Health Access Initiative (CHAI), Zambia During the COVID-19 Pandemic

The COVID-19 pandemic in 2019 prompted major changes to social life leading to lockdowns and organisations having employees work from home to ensure social distancing. Between 2020 and 2021, the Clinton Health Access Ini...

Competition Profile Matrix of Vietnam Maritime Commercial Joint Stock Bank

Applying the competitive profile matrix to analyze the competitiveness of commercial banks plays an important role due to the benefits it brings to bank managers in the process of forming strategies competition of banks....

Download PDF file
  • EP ID EP727542
  • DOI 10.47191/jefms/v6-i9-43
  • Views 65
  • Downloads 0

How To Cite

Mareta Dwi Sagito, Sishadiyati (2023). Analysis of Determinants of Credit by Commercial Banks to Indonesia’s Fisheries Sector from the Demand Side. Journal of Economics, Finance and Management Studies, 6(09), -. https://europub.co.uk/articles/-A-727542