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All Journal ETIKONOMI Jurnal Bisnis dan Ekonomi Economic Journal of Emerging Markets SEGMEN Jurnal Manajemen dan Bisnis MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Proceedings of Annual International Conference Syiah Kuala University - Life Sciences & Engineering Chapter HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Jurnal Manajemen & Keuangan Jurnal Akuntansi dan Pembangunan (JAKTABANGUN) International Research Journal of Business Studies (E-Journal) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Management Research and Behavior Journal Media Riset Akuntansi Auditing & Informasi Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Altafani Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
Ghazali Syamni
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Journal : Management Research and Behavior Journal

 1 
The Determination Of Credit Distribution: A Case Study Of Rural Credit Banks In Indonesia Ghazali Syamni; Nasir Azis; Alifcha Novanda; Jumadil Saputra
Management Research and Behavior Journal Vol 1, No 1 (2021)
Publisher : Department of Management, Universitas Malikussaleh, Aceh Utara, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/mrbj.v1i1.3652

Abstract

The credit distribution is a vital banking intermediation functions in which banks serve as intermediaries for debtors and creditors. Credit distribution to customers is dependent upon internal and external factors. This research is conducted to examine the influence of internal and external factors on credit distribution at Indonesian’s rural credit banks in particular rural credit banks in Java and Sumatra. The data used in this study are a financial report of rural credit banks in Java and Sumatera from the period 0f 2014-2016 accessed from Bank Indonesia’s website. Inflation data obtained from the Central Bureau of Statistics. This study applies a panel regression model with the common effect model as the best model. The results of the study show that inflation is the single external factor that influences the distribution of assets in BPR, while interest rates (Bank Indonesia’s certificates) do not affect credit distribution. Meanwhile, internal factors which include Operational Costs to Operating Income, third-party funds, Capital Adequacy Ratio, concurrently affect credit distribution in rural credit banks in Indonesia, especially Java and Sumatra.
Co-Authors . Zulfan Abd Majid, M. Shabri Ahmad Fauzul Hakim Hasibuan Aisyah Putri Andriani Siregar Aiyub Aiyub Alifcha Novanda Alya Maulisa Amalia Fitri Arilasta Irawan Arya Permana Ginting Azhar , Bambang Ali Nugroho Bambang Arjuna Putra Chairil Akhyar Darmawati Darmawati Muchtar Darmawati Mukhtar Delia Ananda Faisal Faisal, Faisal Farica Yusrina Lubis Harley Agustian Hasatiru Auwa Hendra Raza Husaini Husaini Husaini Husaini Ikhsan Nur Ilham Ikram Ikramuddin, Ikramuddin Indah Sari Yusmita Intan Ulia Iqbaal Fauzi Pakpahan Irnianita Irnianita Iswadi Iswadi Bensaadi Jamilah Juilimursyida Ganto Juliana Ariska Jumadil Saputra Jummaini Lala Merlita M. Shabri Abdul Majid Marzuki Marzuki Marzuki Marzuki Marzuki Mawardati Mawardati Muchtar, Darmawati Muhammad Dava Rizki Muhammad Hafidz Akbar Muhammad Hafizh Murhadi, Thasrif Muti Miftahul Jannah Muttaqien Muttaqien Muttaqien Muttaqien Nasir Azis Naz’aina Neo Agustina Nuhfil Hanani Nur Balkis Nurfazila Nurlela Rabiatul Adawiah Berasa Rahmatillah Raisa Salsabila Rasyidin M. Reza Hendri Yana Rico Nur Ilham Riga Sanjaya Ristati Ristati Ristati Ristati Ristati Said Musnadi Sari Yulis Terfiadi Sari Yulis Terfiadi Silvia Ananda Siswoyo Adi wijaya Siti Elan Nisa Sri Arini Suci Puji Suryani Syifa Azzahra T.M Azani Thasrif Murhadi Wahyuddin Wahyuddin Wahyuddin Wahyuddin Wardhiah Wardhiah, Wardhiah Wasni Maisarah Widyana Verawaty Siregar Wirdha Ramadhani Yulis Terfiadi, Sari Zahrul Fuadi Zamzami Zainuddin Zamzami Zainuddin, Zamzami Zaufani Putri Khairun Zuhra Zulfan