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All Journal Ekopedia: Jurnal Ilmiah Ekonomi
Vania Ashlah Khairunnisaa
Brawijaya University
Economics, Econometrics & Finance

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The Influence of Third-Party Funds, Non- Performing Loan, Inflation, and Loan Interestrate on The Distribution of Msme Business Loan by Commercial Banks in West Kalimantan in The 2015-2025 Period Vania Ashlah Khairunnisaa; Ghozali Maski
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/n65cdh53

Abstract

MSME credit distribution is an important instrument in supporting economic growth in West Kalimantan. This study analyzes the relationship between Third-Party Funds (TPF), MSME Non-Performing Loans (MSME NPL), inflation, and lending interest rates and MSME credit distribution by commercial banks in West Kalimantan during 2015–2025. The study uses quarterly secondary data and applies the Engle-Granger Error Correction Model (ECM) to distinguish short-run dynamics from the long-run relationship. The results show that TPF, MSME NPL, inflation, and lending interest rates are not statistically signifi-cant in the short run. The long-run estimation indicates a positive and statistically signifi-cant relationship between TPF and MSME credit distribution, while MSME NPL, inflation, and lending interest rates are not statistically significant. The Error Correction Term (ECT) is negative and statistically significant at the 10 percent level, indicating an adjustment mechanism toward long-run equilibrium. These findings suggest that MSME credit distribu-tion in West Kalimantan is more closely associated with the availability of bank funding in the long run than with short-run changes in credit risk, inflation, or lending interest rates.
Co-Authors Ghozali Maski