Analisis Ekspansi Kredit Investasi, Kredit Modal Kerja, Kredit Komersial Pada Kelompok Bank Menengah

Abstract

Problem Formulation in this study is to analyze how the development trend of expansion of investment credit, working capital credit and commercial credit at Bank of North Sumatra and analyzes how the credits affects interest income of Bank of North Sumatra. The purpose of this study was to analyze the development trend of expansion of investment credit, working capital credit , and commercial credit at Bank of North Sumatra and analyze the influence of investment credit, working capital credit and commercial credit on interest income of Bank of North Sumatra. The hypothesis in this study is that there is the influence of investment credit, working capital credit, and commercial credit on interest income of the bank of North Sumatera. Collection of secondary data using the method of documentation or written material obtained from various sources such as books, journals, government regulations and documents regarding the credit Bank of North Sumatra, Annual report and financial statements that have been there before. The method of analysis used descriptive analysis trend analysis, and multiple linear analysis. On the results of data analysis indicate that the expansion of investment credit, commercial credit and working capital credit to move up (upward trend) with different rise. And the hypothesis of the study results showed that simultaneous investment credit, working capitalcredit , and commercial credit affect the bank's interest income of North Sumatra. Partial test showed that commercial credit is a credit has the most significant effect on interest income, followed by working capital credit and investmen credit.