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Mohammad Sofyan
Universitas Pasundan
Economics, Econometrics & Finance

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EXTERNAL AND INTERNAL BANKING FACTORS ON THE INTERMEDIATION FUNCTION OF STATE-OWNED BANKS Nurul Jahidah; Mohammad Sofyan; Jaja Suteja
Jurnal Riset Bisnis dan Manajemen Vol. 17 No. 2 (2024): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v17i2.10615

Abstract

This research aims to analyze external and internal factors on the intermediation function of state-owned banks. The method used is Autoregressive Distributed Lag with time series data for 2008 - 2022 for two research models, namely Third-Party Fund Growth and Credit Growth. The research results show that external and internal factors influence the growth of third-party funds, namely that in the long-term inflation has a significant negative effect, BI rate and Economic Growth have a significant positive effect. In the short term, inflation and economic growth have an insignificant positive effect, BI-rate has an insignificant negative effect. In the model of external and internal factors that influence credit growth, it is known that in the long term, the growth of third-party funds, BI-Rate, and Economic Growth have a significant positive effect, CAR, NPL, and Inflation have a significant negative effect. In the short term, the growth of third-party funds, CAR, NPL, BI-rate, and Economic Growth have an insignificant negative effect, while inflation has a significant positive effect.
Co-Authors Jaja Suteja Nurul Jahidah