CD Skripsi
Pengaruh Suku Bunga Kedit Konsumsi, Pendapatan Dan Inflasi Terhadap Permintaan Kredit Konsumsi Pada Bank Perkreditan Rakyat Di Provinsi Riau Tahun 2008-2019
This research aims to determine the effect of interest rate of consumption credit,
income and inflation to consumption credit demand on Rural Banks in Riau Province,
using data from Bank Indonesia, The Financial Services Authority and Statistics of Riau
Province.
This data used in this research is annual data from 2008-2019. The analytical
method used in descriptive quantitative and analyzed partially or simultaneously with
multiple linear regression OLS (Ordinary Least Square) processed by using E-Views 9.
Normality test, classic assumption, F Test, determination coefficient, t test are used in
this research.
The result of this study shows simultaneously variable of interest rate of
consumption credit, income and inflation give significant effect to consumption credit
demand on Rural Banks in Riau Province. Partially, interest rate of consumption has
negative and significant on consumption credit, income has positive and significant on
consumption credit, however inflation has negative and insignificant on consumption
credit. Value of determination coefficient shows that interest rate of consumption credit,
income and inflation has effect to the consumption credit demand to 77,86% and the
remaining 22,14% in effected by other factors outside this research.
Keywords: Credit of Consumption, Interest Rate of Consumption Credit, Income,
Inflation.
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