MENAKAR DAMPAK SUKU BUNGA, NILAI TUKAR, DAN INFLASI TERHADAP PERMINTAAN KREDIT KONSUMSI
Journal Title: AL-Mashrafiyah: Jurnal Ekonomi, Keuangan dan Perbankan Syariah - Year 2018, Vol 2, Issue 2
Abstract
Credit is the bank's most dominant activity of all bank operational activities. Even most of the bank's assets come from credit. Based on data from 2007-2016, demand for consumption credit in South Sulawesi continued to increase. On the other hand empirical data during the observation period shows that interest rates, rupiah exchange rates, and inflation which are important factors influencing lending activities continue to fluctuate. This article intends to review the influence of interest rates, exchange rates and inflation on demand for consumption credit in South Sulawesi. The approach used is an explanatory method, with multiple linear regression data processing techniques with the least squares method. The results showed that the interest rates were significantly negative for credit demand in South Sulawesi. In contrast, the exchange rate has a significant positive effect on demand for consumption credit in South Sulawesi, while inflation has no significant effect on demand for consumption credit in the province of South Sulawesi. Consistent Credit Improvement in South Sulawesi still needs to be watched out, and controlled by Bank Indonesia as the banking regulator in Indonesia. Because the increase in consumer credit does not have an impact on the strengthening of economic fundamentals, and encourage increased inflation in South Sulawesi.
Authors and Affiliations
Wardihan Sabar
Keywords
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- EP ID EP568265
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