Analisis Peran Intermediasi Perbankan terhadap Pertumbuhan Ekonomi Indonesia

Abstract

This research aims to determine the effect of investment credit, working capital credit, consumption credit and interest credit rates on Indonesia's economic growth. This type of research is associative research with a quantitative approach. The type of data used in this research is secondary data in the form of investment credit data, working capital credit data, consumption credit data, and percentage of credit interest rates, at commercial banks in Indonesia. The analysis technique used is E-Views. The results of this research show that the Autoregressive Distributed Lag (ARDL) test for investment credit distribution has a negative and significant influence on economic growth. Working capital credit has a positive and significant effect on economic growth. Consumption credit has a positive and significant effect on economic growth. Credit interest rates do not have a significant effect on economic growth. The Error Correction Model (ECM) test results show that investment credit has a negative and significant effect on economic growth. Working capital credit has a positive and significant effect on economic growth. Consumption credit has a positive and significant effect on economic growth. Credit interest rates have a negative and significant effect on economic growth.