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All Journal KREATIF : Jurnal Ilmiah Prodi Manajemen Universitas Pamulang Jurnal Proaksi Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat DEDIKASI PKM Jurnal Ekonomi Efektif Jurnal PADMA: Pengabdian Dharma Masyarakat Jurnal Arastirma Worksheet : Jurnal Akuntansi Jurnal Ilmiah Swara MaNajemen (Swara Mahasiswa Manajemen) Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen
Anum Nuryani
Universitas Pamulang
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences Other

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DAMPAK PERTUMBUHAN EKONOMI, PROFITABILITAS, RISIKO KREDIT, DAN MODAL INTELEKTUAL TERHADAP PERTUMBUHAN KREDIT PADA BANK UMUM KBMI 3 DI INDONESIA Anum Nuryani; Renata Fitriani
Worksheet : Jurnal Akuntansi Vol 5, No 2 (2026)
Publisher : UNIVERSITAS DHARMAWANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wjs.v5i2.8491

Abstract

Banking plays a strategic role as a financial intermediary institution, where credit growth serves as a key indicator in assessing the effectiveness of fund distribution and overall economic stability. However, the KBMI 3 bank group demonstrates relatively lower credit growth performance compared to KBMI 4 banks and continues to face issues related to high levels of idle credit, indicating suboptimal intermediation functions in supporting economic activities. This study employs a quantitative approach with a causal method to examine the influence of economic growth, profitability (ROA), credit risk (NPL), and intellectual capital (VAIC) on credit growth in KBMI 3 banks, using secondary data from financial statements for the 2020–2024 period analyzed through panel data regression with EViews software. The analysis includes descriptive statistics, classical assumption tests, model selection (CEM, FEM, REM), and hypothesis testing using t-tests, F-tests, and the coefficient of determination (R²) to evaluate relationships and variable effects.The results indicate that economic growth has a positive and significant effect on credit growth, while profitability and intellectual capital do not show a significant influence. In contrast, credit risk has a negative and significant effect, but collectively all variables significantly influence credit growth.
Co-Authors Ade Yusuf Agus Suhartono Ali Zaenal Abidin Alvia Kasnurvela Arif Hidayat Aris Ariyanto Aris Budianto Asep Muhammad Lutfi Asep Muhammad Luthfi Denok Sunarsi Destian Andhani Dodi Persada Elizabeth Tika Kristina Hartuti Fina Fitriyana Jasmani Jasmani Karolina Karolina Lina Nofiana Mada Faisal Akbar Muhammad Zaenal Muttaqin Abdi Nariah Nariah Renata Fitriani Ria Rosalia Simangunsong Septiani Simanjuntak Siti Mardiana Tati Rosyati Tsarina Zenabia Waluyo Jati Yeti Kusumawati Yolanda Gusvia Yolanda Gusvia Putri Yusni Nuryani