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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
Interdiciplinary Journal and Hummanity (INJURITY) 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.
Macro Determinants of Export-Based MSMEs in Indonesia and Malaysia Salim, M. Noor; Rahman, Nur Hayati Abd; Susilastuti, Darwati; Astuty, Pudji; Samad, Khairunnisa Abd; Marlapa, Eri
Interdiciplinary Journal and Hummanity (INJURITY) Vol. 3 No. 12 (2024): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58631/injurity.v3i12.1373

Abstract

The primary objective of this study is to examine the key factors influencing the export performance of micro- and small-sector enterprises (MSMEs), aiming to identify critical elements that can enhance MSME growth and assess their implications for the Indonesian economy in comparison to Malaysia. The study aims to provide insights into the export of MSMEs, the simultaneous and partial effects of exchange rates, inflation, interest rates, GNI per capita, and labor on MSME exports in Indonesia and Malaysia, the identification of the most dominant factors among these variables affecting MSMEs exports for Indonesia, and a comparative analysis of MSME exported performance in both countries.