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Journal : Warmadewa Economic Development Journal (WEDJ)

Pengaruh BI Rate dan Jumlah Simpanan Masyarakat terhadap Penyaluran Kredit pada Bank Umum Pemerintah di Bali Periode 2013.I–2017.IV Ni Luh Putu Basrita Sutasari; Gede Aryawan; A. A. Sri Purnami
Warmadewa Economic Development Journal (WEDJ) Vol. 1 No. 2 (2018): Warmadewa Economic Development Journal
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.1.2.1099.68-77

Abstract

Credit is a financial facility that allows a person or business entity to borrow money to buy a product and repay it within a specified period of time. UU no. 10 of 1998 states that credit is the provision of money or equivalent claims, based on an agreement or agreement between banks and other parties that requires the borrower to repay the debt after a certain period of time with interest. This research discusses the influence both simultaneously and partially of the BI Rate and the amount of public deposits on lending to Government Commercial Banks in Bali. This test method used to test the hypothesis is multiple linear regression. The results of the analysis state that the BI Rate and Amount of Community Savings simultaneously have a significant effect on Lending to Government Commercial Banks in Bali. Partial BI Rate value does not have a significant effect (not significant) and the Public Savings Amount partially has a significant (significant) effect on Credit Distribution at Government Commercial Banks in Bali. The Value of Amount of Community Savings has a positive and significant influence on Credit Distribution at Commercial Banks in Bali Province.
Pengaruh PDRB Perkapita dan Suku Bunga Riil terhadap Permintaan Kredit Konsumsi pada Bank Umum di Provinsi Bali Komang Arip Jaya Kusuma; A. A. Sri Purnami; I Gede Aryawan
Warmadewa Economic Development Journal (WEDJ) Vol. 1 No. 1 (2018): Warmadewa Economic Development Journal
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.1.1.1115.14-21

Abstract

The aims of this research is to find out how the influence of PDRB Per capita and the real interest rate partially and simultaneously on the demand for Consumer Loans at Commercial Banks in Bali Province. The analysis data technique is the classic assumption test, multiple linear regression analysis. The results of the research from the F test were obtained simultaneously by the PDRB Per capita and Real Interest Rate variables which significantly influenced the Consumer Credit at Commercial Banks in the Province of Bali. From the t test on the PDRB per capita variable has a positive and significant influence on the demand for Consumer Loans at Commercial Banks in the Province of Bali. From the t test on the Real Interest Rate variable has a negative and significant influence on the demand for Consumer Loans in Commercial Banks in the Province of Bali.
Pengaruh Produk Domestik Regional Bruto (PDRB), Suku Bunga Tabungan dan Inflasi Terhadap Simpanan Masyarakat di Bank Umum Provinsi Bali I Wayan Yudiana; Gede Aryawan; I Gusti Ayu Athina Wulandari
Warmadewa Economic Development Journal (WEDJ) Vol. 2 No. 2 (2019): Warmadewa Economic Development Journal
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.2.2.1362.72-83

Abstract

Public savings in Commercial Banks can be a source of funding for the business when channeled back in the form of loans, so that it can encourage the growth of the real sector that has a positive impact on economic growth. The purpose of this research is to know the effect of gross regional domestic products, savings interest rate and inflation to public savings in the commercial bank of the Province of Bali simultaneously and partially. The data used is time period data 2013 until 2017. The research method used in this research is a quantitative method, while the analysis technique used is multiple linear regression analysis. The results of the analysis of this research state that simultaneously gross regional domestic products, savings interest rate and inflation have a positive and significant effect to public savings. Partially, gross regional domestic products have a positive and significant effect to public savings, while savings interest rate and inflation does not have a significant effect to public savings.