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Journal : INJURITY: Journal of Interdisciplinary Studies

Analysis of Factors Affecting the Level of Credit Distribution Hasan, Azasi; Priadana, Sidik; Astuty, Pudji
INJURITY: Journal of Interdisciplinary Studies Vol. 2 No. 1 (2023): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2119.13 KB) | DOI: 10.58631/injurity.v2i1.18

Abstract

The success of economic development in Indonesia will depend on the role of banks in providing financial services that can encourage increased economic activity to achieve successful growth in various sectors. This study aims to determine and examine the magnitude of the effect of inflation, bank interest, promotions, information technology, third-party funds, and SBI rates on the credit distribution of commercial banks that go public. The study uses a descriptive and verification approach by analyzing Time Series data over 20 years period. The analysis method in this study uses multiple regression analysis. There is a positive and significant effect of the variables of Inflation, Bank Interest, Promotion, Information Technology, Third Party Funds, and SBI rates simultaneously on credit where the six independent variables are the dominant variables that form credit together. There are positive and negative and significant effects of each variable Inflation, Bank Interest, Promotion, Information Technology, Third Party Funds, and SBI rates on credit. The variable that has the biggest influence on credit is the Promotion variable, while the variable with the smallest absolute influence on credit is Bank Interest. All models in this study obtained both positive and negative and significant results.
Co-Authors *Wala Erpurini A, Acuviarta Achmad Rozi Ading Rahman Sukmara Afandi, Azhar Agustina Mogi Ahmad Badawi Ahmad Nurhadi Aidil Amin Effendy Akbar, Irfan Rizka Anwar, Asep Apriansyah, Muger Asep Anwar Asep Muhammad Lutfi Awal Purnomosidi Azhar Affandi Azhar Affandi Basuki Rahmat Masdi Siduppa Bayu Indra Setia Denny Aditya Dwiwarman Denok Sunarsi Denok Sunarsi Dian Rostikawati Didik Setiyadi Eddy Jusuf Eddy Yusuf, Eddy Effendi Guntur Ellen Rusliati Erlangga, Heri Erpurini, Wala Erwin Yulianto Ester Manik Eti Ariyanti Farida Agustin, Farida FATKHURAHMAN FATKHURAHMAN, FATKHURAHMAN Fatma Lestari Finny Redjeki Ganar, Yulian Bayu Gojali Supiandi Gugum Mukdas Sudarjah Haris Fauzi Hartuti, Elizabeth Tika Kristina Hasan, Azasi Helmi, M. Nurman Heru Setiawan Hindriari, Reni Horas Djulius Horas Djulius Imam Santoso Iman Sudirman Iman Sudirman Ina Primiana Sagir Indah Megahwati Indah, Dewi Yuliati Irmal, Irmal Iryadana, Mohamad Razab Ivan Yulianto Iwan Riswandi Iwan Ruswandi Jaja Suteja Jamaludin, Maun Jasmani Jasmani Jhoni Maslan Julius, Horas Khoirul Umam Kholili, Irfan Komariyah, Iis Kristianti, Lily Setyawati Laila Irawati Lizio Marcel de Araujo Luluh Abdillah Kurniawan Machfud Sidik, Machfud MADUNINGTIAS, LUCIA Mahnun Mas’adi Maludin Panjaitan Meirinaldi Roesli Mia Nursanty Mia Nursanty Moch Fachri Supriyadi Mohamad Duddy Dinantara Mohammad Nugraha, Nugi Muhammad Thoriq Al Zyad Nila Nurochani Novita Novita Nugi Mohammad Nugraha Nuriawati, Umi Nurjaya Nurjaya Nursanty, Mia Nursanty, Mia Oktri Mohammad Firdaus Pratama, Reza Anugrah Pudji Astuty Pudji Astuty, Pudji Purnomosidi, Awal Rahadyan Tajuddien Reza Anugrah Pratama Ruswandi, Iwan Sarman, Rohmat Senen Machmud Slamet Aji Winoto Subadrianto, Al Sufi Subiyantoro, Heru Sudarso, Aden Prawiro Sudirman, M. Iman Sunarsi, Denok Supriyadi Supriyadi Suriyanti Suriyanti Sutarman Sutarman Suyatin Suyatin Tri Juniarti, Atty Triyadi Triyadi Umi Nariawati Umi Narimawati Umi Narimawati Umi Narimawati Umi Narimawati Undang Juju Vip Paramarta Wahyitno Wahyitno Wahyu Nurul Faroh Widhi Wicaksono Widodo, Adji