SAFIRA AZZAHRA (2026) PENGARUH BI RATE, KREDIT PERBAKAN DAN PERTUMBUHAN EKONOMI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA PADA PERIODE 2015-2025

SAFIRA AZZAHRA, . (2026) SAFIRA AZZAHRA (2026) PENGARUH BI RATE, KREDIT PERBAKAN DAN PERTUMBUHAN EKONOMI TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA PADA PERIODE 2015-2025. Sarjana thesis, Universitas Negeri Jakarta.

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Abstract

Stabilitas sistem keuangan berperan penting dalam menjaga fungsi intermediasi dan ketahanan perekonomian terhadap berbagai tekanan. Penelitian ini bertujuan menganalisis pengaruh BI Rate, kredit perbankan, dan pertumbuhan ekonomi terhadap stabilitas sistem keuangan di Indonesia periode 2015–2025 yang diukur menggunakan Indeks Stabilitas Sistem Keuangan (ISSK). Penelitian menggunakan pendekatan kuantitatif dengan data sekunder deret waktu yang bersumber dari Bank Indonesia, Otoritas Jasa Keuangan, dan Badan Pusat Statistik. Data dianalisis menggunakan regresi linear berganda dengan metode Ordinary Least Square melalui EViews 13. Hasil penelitian menunjukkan bahwa BI Rate berpengaruh positif, tetapi tidak signifikan terhadap ISSK dengan nilai probabilitas 0,3804. Kredit perbankan berpengaruh negatif dan signifikan dengan nilai probabilitas 0,0002, yang menunjukkan bahwa peningkatan kredit berkaitan dengan menurunnya tekanan terhadap stabilitas sistem keuangan. Pertumbuhan ekonomi berpengaruh positif, tetapi tidak signifikan dengan nilai probabilitas 0,8064. Secara simultan, ketiga variabel berpengaruh signifikan terhadap ISSK dengan probabilitas F-statistik sebesar 0,001377. Nilai koefisien determinasi sebesar 31,96 persen menunjukkan bahwa perubahan ISSK juga dipengaruhi oleh faktor lain di luar model. Penelitian ini menegaskan pentingnya penyaluran kredit yang sehat dan penguatan koordinasi kebijakan moneter serta makroprudensial dalam menjaga stabilitas sistem keuangan. **** The Effects of the BI Rate, Bank Credit, and Economic Growth on Financial System Stability in Indonesia during the 2015–2025 Period. Undergraduate Thesis. Jakarta. Economics Education Study Program. Faculty of Economics and Business. Universitas Negeri Jakarta. 2026. Financial system stability plays an important role in maintaining financial intermediation and strengthening economic resilience against various pressures. This study aims to analyze the effects of the BI Rate, bank credit, and economic growth on financial system stability in Indonesia during the 2015–2025 period, as measured by the Financial System Stability Index (ISSK). This study applies a quantitative approach using secondary time-series data obtained from Bank Indonesia, the Financial Services Authority, and Statistics Indonesia. The data were analyzed using multiple linear regression with the Ordinary Least Square method through EViews 13. The results show that the BI Rate has a positive but statistically insignificant effect on the ISSK, with a probability value of 0.3804. Bank credit has a negative and significant effect, with a probability value of 0.0002, indicating that increased credit distribution is associated with lower pressure on financial system stability. Economic growth has a positive but insignificant effect, with a probability value of 0.8064. Simultaneously, the three variables have a significant effect on the ISSK, with an F-statistic probability of 0.001377. The coefficient of determination of 31.96 percent indicates that changes in the ISSK are also influenced by other factors outside the model. These findings emphasize the importance of maintaining sound credit distribution and strengthening coordination between monetary and macroprudential policies to preserve financial system stability.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dr. Herlitah, S.Sos., M.Ec.Dev.; 2). Prof. Dr. Saparuddin M., M.Si.
Subjects:	Pendidikan > Teori, Penelitian Pendidikan
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Safira Azzahra .
Date Deposited:	12 Aug 2026 02:30
Last Modified:	12 Aug 2026 02:30
URI:	http://repository.unj.ac.id/id/eprint/70045

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