PENGARUH SUKU BUNGA KREDIT DAN DANA PIHAK KETIGA TERHADAP PENYALURAN KREDIT BANK UMUM SERTA DAMPAKNYA PADA PERTUMBUHAN EKONOMI DI DKI JAKARTA 2014-2024

MUTIARA IZZATI, . (2026) PENGARUH SUKU BUNGA KREDIT DAN DANA PIHAK KETIGA TERHADAP PENYALURAN KREDIT BANK UMUM SERTA DAMPAKNYA PADA PERTUMBUHAN EKONOMI DI DKI JAKARTA 2014-2024. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Pertumbuhan ekonomi dipengaruhi oleh berbagai faktor, salah satunya fungsi intermediasi perbankan melalui penyaluran kredit investasi. Penelitian ini bertujuan menganalisis pengaruh Suku Bunga Kredit Investasi dan Dana Pihak Ketiga terhadap Penyaluran Kredit Investasi Bank Umum serta dampaknya terhadap Pertumbuhan Ekonomi di Provinsi DKI Jakarta periode 2014Q1–2024Q4. Penelitian menggunakan pendekatan kuantitatif dengan metode path analysis. Data yang digunakan berupa data sekunder time series triwulanan sebanyak 44 observasi yang diperoleh dari Bank Indonesia, Otoritas Jasa Keuangan, dan Badan Pusat Statistik, kemudian dianalisis menggunakan EViews 14. Hasil penelitian menunjukkan bahwa Suku Bunga Kredit Investasi berpengaruh negatif dan signifikan terhadap Penyaluran Kredit Investasi, sedangkan Dana Pihak Ketiga berpengaruh positif dan signifikan. Secara simultan, kedua variabel berpengaruh signifikan terhadap Penyaluran Kredit Investasi. Penyaluran Kredit Investasi berpengaruh positif dan signifikan terhadap Pertumbuhan Ekonomi serta memediasi pengaruh Suku Bunga Kredit Investasi dan Dana Pihak Ketiga terhadap Pertumbuhan Ekonomi. Temuan ini menegaskan pentingnya stabilitas suku bunga, optimalisasi penghimpunan dana pihak ketiga, dan peningkatan penyaluran kredit investasi untuk mendukung pertumbuhan ekonomi yang berkelanjutan. ***** Economic growth is closely related to the banking sector's intermediary function through investment credit distribution. This study aims to examine the effects of investment lending interest rates and third-party funds on investment credit distribution by commercial banks and their impact on economic growth in DKI Jakarta during 2014Q1–2024Q4. A quantitative approach with path analysis was employed. The study used 44 quarterly secondary time-series observations obtained from Bank Indonesia, the Financial Services Authority (OJK), and Statistics Indonesia (BPS), and the data were analyzed using EViews 14. The findings indicate that investment lending interest rates have a negative and significant effect on investment credit distribution, while third-party funds have a positive and significant effect. Simultaneously, both variables significantly affect investment credit distribution. Investment credit distribution also has a positive and significant effect on economic growth and mediates the effects of investment lending interest rates and third-party funds on economic growth. These findings emphasize the importance of maintaining stable lending interest rates, optimizing third-party fund mobilization, and expanding investment credit distribution to support sustainable economic growth.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dr. Herlitah, S.Sos., M.EC.Dev 2). Prof. Dr Saparuddin M,S.E., M.Si
Subjects:	Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Users 35566 not found.
Date Deposited:	10 Aug 2026 08:39
Last Modified:	10 Aug 2026 08:39
URI:	http://repository.unj.ac.id/id/eprint/69622

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