Menakar Dampak Suku Bunga, Nilai Tukar, dan Inflasi Terhadap Permintaan Kredit Konsumsi - Sabar, Wardihan; Kuslin, Kuslin (Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah), 2018)
Kredit merupakan aktivitas bank yang paling dominan dari seluruh kegiatan aktivitas operasional bank. Bahkan sebagian besar aset bank berasal dari kredit. Bedasarkan data tahun 2007-2016 permintaan kredit konsumsi di Sulawesi Selatan terus mengalami peningkatan. Disisi lain data empirik selama periode pengamatan menunjukan bahwa suku bunga, nilai tukar rupiah, dan inflasi yang menjadi faktor penting yang mempengaruhi aktifitas penyaluran kredit terus berfluktuasi. Artikel ini bermaksud mengulas pengaruh suku bunga, nilai tukar dan inflasi terhadap permintaan kredit konsumsi di sulawesi selatan. Pendekatan yang digunakan adalah pendekatan eksplanatori, dengan teknik pengolahan data regresi linear berganda dengan metode kuadrat terkecil. Hasil penelitian menunjukkan bahwa suku bunga signifikan negatif terhadap permintaan kredit di Sulawesi Selatan. Lain halnya dengan nilai tukar berpengaruh signifikan positif terhadap permintaan kredit konsumsi di sulawesi selatan, sedangkan inflasi tidak berpengaruh signifikan terhadap permintaan kredit konsumsi di provinsi Sulawesi selatan. Peningkatan kredit konsmtif di Sulawesi Selatan tetap perlu diwaspadai, dan dikendalikan oleh Bank Indonesia selaku regulator perbankan di Indonesia. Sebab kenaikan kredit konsumtif tidak memberikan dampak pada penguatan fundamental perekonomian, dan mendorong pengikatan inflasi di sulawesi Selatan.Kata Kunci:Â Suku Bunga, Nilai Tukar Rupiah, Inflasi, dan Kredit KonsumsiCredit is the bank's most dominant activity of all bank operational activities. Even most of the bank's assets come from credit. Based on data from 2007-2016, demand for consumption credit in South Sulawesi continued to increase. On the other hand empirical data during the observation period shows that interest rates, rupiah exchange rates, and inflation which are important factors influencing lending activities continue to fluctuate. This article intends to review the influence of interest rates, exchange rates and inflation on demand for consumption credit in South Sulawesi. The approach used is an explanatory method, with multiple linear regression data processing techniques with the least squares method. The results showed that the interest rates were significantly negative for credit demand in South Sulawesi. In contrast, the exchange rate has a significant positive effect on demand for consumption credit in South Sulawesi, while inflation has no significant effect on demand for consumption credit in the province of South Sulawesi. Consistent Credit Improvement in South Sulawesi still needs to be watched out, and controlled by Bank Indonesia as the banking regulator in Indonesia. Because the increase in consumer credit does not have an impact on the strengthening of economic fundamentals, and encourage increased inflation in South Sulawesi.Keywords:Â Interest Rates, Exchange Rates, Inflation Rate, and Comsumption CreditÂ