AFIDAH NUR ASLAMAH, . (2021) PENGARUH INSTRUMEN KEBIJAKAN MAKROPRUDENSIAL GIRO WAJIB MINIMUM, RIM, DAN CAPITAL BUFFER TERHADAP PERTUMBUHAN KREDIT BANK UMUM DI INDONESIA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.
![[img]](http://repository.unj.ac.id/style/images/fileicons/text.png) |
Text
AFIDAH BAB 2.pdf Restricted to Registered users only Download (623kB) |
|
Text
AFIDAH BAB 4.pdf Restricted to Registered users only Download (664kB) |
|
Text
AFIDAH BAB 3.pdf Restricted to Registered users only Download (527kB) |
|
Text
AFIDAH BAB 1.pdf Download (244kB) |
|
Text
AFIDAH BAB 5.pdf Restricted to Registered users only Download (425kB) |
|
Text
SKRIPSI AFIDAH FULL BAB 1-5.pdf Restricted to Registered users only Download (2MB) |
|
Text
AFIDAH Cover.pdf Download (804kB) |
|
Text
AFIDAH Daftar Pustaka.pdf Download (429kB) |
Abstract
Perekonomian Indonesia terdistraksi cukup dalam pada tahun 2020 akibat adanya pandemi covid 19. Angka pertumbuhan ekonomi menukik tajam pada -5,32 % di triwulan pertama berdasarkan data dari BPS. Salah satu dampaknya yaitu terjadinya penurunan pertumbuhan kredit pada sektor perbankan yang tumbuh hanya 0,12% per Agustus. Pemerintah mencoba mengendalikan laju pertumbuhan kredit dengan menelurkan kebijakan pada sektor moneter yaitu perubahan ketetapan Giro Wajib Minimum (GWM) yang semula 8% menjadi 4% demi menjaga likuiditas perbankan. Tujuan penelitian ini dilakukan untuk menganalisis pengaruh instrumen kebijakan makroprudensial Giro Wajib Minimum, Rasio Intermediasi Makroprudensial, dan Capital Buffer terhadap pertumbuhan kredit bank umum di Indonesia 2019-2020. Data yang digunakan adalah data bulanan dari Statistik Perbankan Indonesia pada laman Otoritas Jasa Keuangan. Adapun metode statistik yang digunakan pada penelitian ini yaitu metode regresi linear berganda dengan software E-Views SV.11 untuk melakukan ketiga uji hipotesis. Hasil penelitian secara parsial menunjukkan bahwa GWM berpengaruh negatif dan tidak signifikan terhadap pertumbuhan kredit bank umum. RIM dan Capital Buffer berpengaruh signifikan, namun RIM memberikan pengaruh negatif dan Capital Buffer memberikan pengaruh positif terhadap pertumbuhan kredit bank umum. Secara simultan, semua variabel independen mempengaruhi variabel dependen pada penelitian ini. The Indonesian economy experienced a deep contraction in 2020 due to the COVID-19 pandemic. The economic growth rate took a sharp dip at -5.32% in the first quarter based on data from BPS. One of the impacts is the decline in credit growth in the banking sector, which grew only 0.12% per August. The government is trying to control the rate of credit growth by introducing policies in the monetary sector, namely a change in the statutory reserve requirement (GWM) from 8% to 4% in order to maintain banking liquidity. The purpose of this study was to analyze the effect of the statutory reserve requirement, Macroprudential Intermediation Ratio (MIR), and capital buffer on the growth of commercial bank credit in Indonesia 2019-2020. The data used is monthly data from the Indonesian Banking Statistics on the website of the Financial Services Authority. The statistical method used in this study is the multiple linear regression method with E-Views SV.11 software to perform the three hypothesis tests. The results of the study partially show that the reserve requirement has a negative and insignificant effect on commercial bank credit growth. MIR and capital buffer have a significant effect, but MIR has a negative effect and capital buffer has a positive influence on commercial bank credit growth.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Additional Information: | 1). Prof. Dr. Haryo Kuncoro S.E, M.Si ; 2). Aditya Pratama, M.Pd |
| Subjects: | Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi |
| Divisions: | FE > S1 Pendidikan Ekonomi |
| Depositing User: | Users 14626 not found. |
| Date Deposited: | 13 Jun 2022 04:35 |
| Last Modified: | 23 Jan 2024 00:27 |
| URI: | http://repository.unj.ac.id/id/eprint/30152 |
Actions (login required)
 |
View Item |
