Analisis Faktor-Faktor yang Mempengaruhi Permintaan Kredit Pada Bank Pemerintah di Sumatera Utara

Abstract

The aim of this research is to analyze the influence of economic variabels (interest rate, rate of growth, goverment policy) and the effect of banking performance to credit demand in government banks in the North Sumatera. Data used in the study are primary data and secondary data. The sample size obtained from population among 319 debitur with plafond range Rp.l – 40 milyard. Data method used Ordinary Least Square (OLS). According to the result of estimation, this result founds that the factor macro economic namely interest rate, economy growth and government policy are influence credit demand in government banks of North Sumatera significantly (α = 1 %). The interest rate negatively influence credit demand in government bank of North Sumatera, mean while economic growth positively influence credit demand based on the result of primary data, the result shows. That banking services influence credit demand in government banks of North Sumatera have significantly α = 1 %. Banking services in which relate to the term of credit procesing and the hospitality of bank officer positively influence to credit demand banks of North Sumatera.