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All Journal Movere Journal
Fungky Muchsidin, Feronica
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Decision Sciences, Operations Research & Management

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Efek Penyangga Modal Terhadap Transmisi Kebijakan Moneter Pada Kredit Perbankan Indonesia Baharuddin, Baharuddin; Fungky Muchsidin, Feronica; A.We Tenri Fatimah Singkeruang; Nuraeni Saeni
Movere Journal Vol. 8 No. 1 (2026)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v8i1.747

Abstract

This study aims to analyse the determinants and dynamics of Indonesian bank credit growth after the pandemic, focusing on monetary-policy transmission and the moderating role of capital buffer. Using an explanatory quantitative approach, quarterly panel data of 47 commercial banks (Q12020 – Q22025) were estimated with two-step System Generalized Method of Moments (System-GMM). Results show that credit growth exhibits negative dynamic persistence, capital buffer has a significant positive effect, while profitability and macroeconomic variables are insignificant. The central finding is a significantly negative interaction between capital buffer and the BI Rate, validating a capital-hoarding mechanism: well-capitalised banks restrain credit expansion when the policy rate rises. The results are robust to alternative specifications and instrument-validity tests. The study contributes a “Conditional Bank Lending” framework and recommends a dual-speed monetary transmission approach and a more responsive countercyclical capital buffer.
Co-Authors A.We Tenri Fatimah Singkeruang Baharuddin Baharuddin Nuraeni Saeni