| dc.description.abstract | In Indonesia there are still many people who still do not have a home and
not have adequeate shelter in accordance with their need and desire. The increase
in income will encourage the purchasing power to buy a house. For families who
already have a home or the so called established, the need for tehe house was used
for a second home or for business. House into an attractive business area because
it provides benefits to its owner for example house for rent to students who
migrate from other cities to study in the city concerned.
One type of credit provide by banks and much in demand by the people of
Indonesia are home loans or better known as KPR. A mortgage bank loans to
assist clients in meeting the needs of his. This study aimed to examine the effect
of interest rates on home loans to the mortgage volume. Research area is the state
savings Bank Tabungan Negara Iskandar Muda Medan. The population in this
study is a report realization PT. saving Bank Tabungan Negara (Persero) Tbk.
Branch office Iskandar Muda field that contains the data volume and the motgage
interest rate cover letter that includes interest rate counter, credit terms, the
statements of the dtermination of interest rate, changes in mortgage rate in 2011-
2013.
The analytical method used is the Simple Linear Regression model. The
test hypotheses simultaneously and partially used t test, while the test to test
whether the distribution of the data follow a normal distribution using or
approaching normality test and the coefficient of dtermination (R2) aims to
measure how far the model’s ability to explain variation in the dependent. Result
of research and hypothesis testing shows that simultaneous variable interest rate
mortgage loans, affect the volume of home loans. Partial result of the analysis
variable mortgage interest rate have a significant effect on the volume of home
loans PT. Bank Tabungan Negara (Persero) Iskandar Muda Medan. | en_US |
