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All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Manajemen dan Ekonomi Kreatif
Natasha Claudia Ambarita
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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DEMAND ANALYSIS OF SUBSIDIZED MORTAGAGE LOANS IN EAST JAVA Natasha Claudia Ambarita; Sishadiyati
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 3 No. 10 (2024): SEPTEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v3i10.556

Abstract

To serve the housing needs of low-income people, the government provides a Subsidized Mortgage Loans program. Demand for subsidized mortgage loans in East Java is relatively low, while the population is growing every year. This is inseparable from the influence of several external factors. The purpose of the study is to analyze how the influence of Non Performing Loan (NPL), Inflation and Per Capita Income on Demand for subsidized mortgage in East Java. This research uses a quantitative approach in the form of time series from 2010-2023. In this study, multiple linear regression was used to test the effect of independent variables (NPL, Inflation and Per Capita Income) on the dependent variable (demand for subsidized mortgage loans in East Java). So the research results obtained that simultaneously the independent variables (NPL, Inflation and Per Capita Income) affect the dependent variable (demand for subsidized mortgage loans in East Java). Partially, only the NPL and per capita income variables have a positive and significant effect on the demand for subsidized mortgage loans in East Java, while the inflation variable has no significant effect on the demand for subsidized mortgage loans in East Java.
Co-Authors Arief Bachtiar Diva Delia Rossa Nicolas Mohhammad Wesla Dhifayana Sukirman Sishadiyati Vinda Cendrawati Wardah Fadiah Salsabila