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All Journal Jurnal Informatika Ekonomi Bisnis Jurnal Informatika Ekonomi Bisnis Contemporary Studies in Economic, Finance and Banking (CSEFB)
Aprilia, Yuyun Fahira
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Economics, Econometrics & Finance Social Sciences

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ANALISIS SUKU BUNGA, PAJAK, DAN INVESTASI TERHADAP PENYALURAN KREDIT DOMESTIK PADA NEGARA ASEAN 5 Aprilia, Yuyun Fahira; Silvi Asna Prestianawati
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.2.15

Abstract

The purpose of this research is to analyse the effect of interest rates, taxes, and investment on domestic credit distribution lendin in ASEAN 5 countries. This research is classified as descriptive quantitative using secondary data from the World Bank website from 2013 to 2022 by taking a sample of ASEAN 5 countries namely Indonesia, Singapore, Malaysia, the Philippines, and Thailand. The analysis used is panel data regression. This research is expected to contribute positively to government policy in an effort to improve credit quality in Indonesia, Singapore, Malaysia, the Philippines, and Thailand. The results of this research show that interest rates and the number of new businesses registered have a significant positive result on domestic credit distribution in ASEAN 5 countries, meaning that the higher the interest rate and the number of new businesses registered will cause domestic credit distribution in ASEAN 5 countries to also increase. increase. Meanwhile, taxes show a significant negative result on domestic credit distribution in ASEAN 5 countries, meaning that lower taxes cause domestic credit distribution in ASEAN 5 countries to increase.
Institusi Ekonomi dan Penyaluran Kredit: Pengaruh Suku Bunga, Pajak, dan Investasi di ASEAN-5 Prestianawati, Silvi Asna; Aprilia, Yuyun Fahira; Rasli, Amran; Chanu, Ibemcha; Fawwaz, Muhammad
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1113

Abstract

This research analyzes the role of economic institutions—reflected through interest rates, tax policies, and investment climate—in influencing domestic credit distribution in ASEAN-5 countries. Employing a descriptive quantitative approach, the study uses secondary data from the World Bank covering the period 2013–2022, focusing on Indonesia, Singapore, Malaysia, the Philippines, and Thailand. Panel data regression is used to estimate the effects of institutional variables. The findings reveal that interest rates and the number of new business registrations—an indicator of investment climate—positively and significantly impact domestic credit distribution. Conversely, tax levels show a significant negative effect, indicating that lower tax burdens are associated with greater credit distribution. These results underscore the importance of institutional quality in shaping financial intermediation within ASEAN-5 economies and provide insights for policymaking to strengthen credit markets.
Institusi Ekonomi dan Penyaluran Kredit: Pengaruh Suku Bunga, Pajak, dan Investasi di ASEAN-5 Prestianawati, Silvi Asna; Aprilia, Yuyun Fahira; Rasli, Amran; Chanu, Ibemcha; Fawwaz, Muhammad
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1113

Abstract

This research analyzes the role of economic institutions—reflected through interest rates, tax policies, and investment climate—in influencing domestic credit distribution in ASEAN-5 countries. Employing a descriptive quantitative approach, the study uses secondary data from the World Bank covering the period 2013–2022, focusing on Indonesia, Singapore, Malaysia, the Philippines, and Thailand. Panel data regression is used to estimate the effects of institutional variables. The findings reveal that interest rates and the number of new business registrations—an indicator of investment climate—positively and significantly impact domestic credit distribution. Conversely, tax levels show a significant negative effect, indicating that lower tax burdens are associated with greater credit distribution. These results underscore the importance of institutional quality in shaping financial intermediation within ASEAN-5 economies and provide insights for policymaking to strengthen credit markets.
Co-Authors Amran Rasli, Amran Chanu, Ibemcha Fawwaz, Muhammad Silvi Asna Prestianawati Silvi Asna Prestianawati