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All Journal Journal of Tourism Economics and Policy
KRISNANDA, Gede Harry
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Economics, Econometrics & Finance Public Health Social Sciences

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Determinants of Credit Growth in Commercial Banks in Indonesia LOISSA, Angelica Febbryana; KRISNANDA, Gede Harry
Journal of Tourism Economics and Policy Vol. 3 No. 4 (2023): Journal of Tourism Economics and Policy (October - December 2023)
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/jtep.v3i4.881

Abstract

Banks have a very vital task in maintaining the Indonesian economy. One of the main tasks of banks is to collect and distribute public funds. Banks channel public funds through loans that get rewards in the form of loan interest. This research focuses on studying what factors affect the amount of credit in the long run. This study uses deposits, lending rates (SBK), non-performing loans (NPL), GDP growth, inflation as internal and external factors that affect the amount of lending to commercial banks. The results showed that partially deposits had a negative and significant effect, NPL had a negative and significant effect, SBK had a negative but insignificant effect, GDP growth had a positive and significant effect and inflation had a positive but insignificant effect on the amount of lending to commercial banks in Indonesia. While simultaneously deposits, loan interest rates (SBK), non-performing loans (NPL), GDP growth, inflation have a significant effect on the amount of lending to commercial banks in Indonesia in 2012-2019.
Co-Authors LOISSA, Angelica Febbryana