PENGARUH PRODUK DOMESTIK BRUTO DAN SUKU BUNGA TERHADAP PERMINTAAN KREDIT PERIODE 2015-2020

ERLIANA EKA SAPUTRI, . (2021) PENGARUH PRODUK DOMESTIK BRUTO DAN SUKU BUNGA TERHADAP PERMINTAAN KREDIT PERIODE 2015-2020. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Di Indonesia kedudukan bank sangat berarti misalnya dalam hal pembangunan. Ini dikarenakan bank sanggup mempengaruhi siklus perekonomian secara totalitas. Peningkatan permintaan kredit perbankan menyebabkan bertambahnya daya beli, menambah gairah usaha serta bonus investasi. Yang pada kesimpulannya akan menghasilkan dampak pengganda (multiplier effect). Multiplier effect tersebut antara lain penambahan pendirian pabrik baru, penambahan penyerapan tenaga kerja, peningkatan permintaan bahan baku, peningkatan hasil produksi dan peningkatan daya beli, yang nantinya akan mempengaruhi pertumbuhan ekonomi di masa depan. Jika suku bunga pinjaman rendah, multiplier effect ini akan semakin besar dampaknya. Kasus dalam riset ini yakni bagaimana pengaruh PDB serta suku bunga terhadap permintaan kredir. sasaran dari riset ini yakni untuk mengenali apakah PDB serta suku bunga memiliki pengaruh terhadap permintaan kredit. Tata cara pengumpulan informasi yang dipakai dalam riset ini ialah metode observasi non partisipan, serta informasiya berasal dari situs web Badan Pusat Statistik (BPS) yakni www.BPS.co.id. tata cara analisis yang dipakai ialah regresi linear berganda memakai aplikasi SPSS 11 for windows. Penelitian ini menemukan bahwa Produk Domestik Bruto memiliki pengaruh positif dan signifikan terhadap permintaan kredit sedangkan Suku bunga memiliki pengaruh negatif signifikan terhadap permintaan kredit Kata Kunci : Produk Domestik Bruto (PDB), Suku Bunga, Permintaan Kredit. In Indonesia, the position of banks is very significant, for example in terms of development. This is because banks are able to influence the totality of the economic cycle. The increase in demand for bank credit has resulted in increased purchasing power, increased business enthusiasm and investment bonuses. Which in conclusion will produce a multiplier effect. These multiplier effects include the addition of new factory establishments, additional employment, increased demand for raw materials, increased production output and increased purchasing power, which will affect future economic growth. If the loan interest rate is low, this multiplier effect will have an even greater impact. The case in this research is the influence of GDP and interest rates on creditors' demand. The objective of this research is to identify whether GDP and interest rates have an influence on credit demand. The procedure for collecting information used in this research is the observation method non-participant, and the information comes from the website of the Central Statistics Agency (BPS), namely www.BPS.co.id. the analysis procedure used is multiple linear regression using the application SPSS 11for windows. This study finds that the Gross Domestic Product has a positive and significant effect on credit demand while interest rates have a negative and insignificant effect on credit demand. Keywords: Gross Domestic Product (GDP), Interest Rates, Credit Demand.

Item Type:	Thesis (Sarjana)
Additional Information:	Dr. Saparuddin Mukhtar, M. Si ; Prof. Dr. Haryo Kuncara W, S.E,. M.Si.
Subjects:	Ilmu Sosial > Teori Ekonomi Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Users 11636 not found.
Date Deposited:	30 Aug 2021 16:55
Last Modified:	30 Aug 2021 16:55
URI:	http://repository.unj.ac.id/id/eprint/18517

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