CD Skripsi

Domestic And External Factors In The Determination Of Bank Credit To Micro Small Medium Enterprise In Indonesia

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ABSTRACT
The objective of this research is to analyze the influence of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Micro Small Medium Enterprise (MSME) Gross Output, and Interest Rates on MSME Credit Distribution in Indonesia. The research employs an Autoregressive Distributed Lag (ARDL) model using quarterly data from 2013Q1 to 2024Q2 using EViews 13 Software. MSME Credit Distribution (in billion rupiah) serves as the dependent variable, while CAR (percentage), NPL (percentage), MSME Gross Output (in billion rupiah), and Interest Rate (percentage) function as independent variables. The result of this research suggests that in the short term, MSME Gross Output and Interest Rates significantly influence MSME Credit Distribution, while CAR and NPL shows mixed effects across different lags. In the long term, NPL and MSME Gross Output have a statistically significant impact, whereas CAR and Interest Rates show an insignificant influence. The error correction coefficient confirms the presence of a long-run equilibrium relationship. The adjusted R-squared value of 0.736 suggests that the independent variables explain approximately 73.6% of the variation in MSME Credit Distribution, with the remaining 26.4% attributable to other factors not included in this study.
Keywords: MSME Credit Distribution, Credit Adequacy Ratio, Non-Performing Loan, MSME Gross Output, Interest Rate, Autoregressive Distributed Lag

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

2102110715

Penerbit

Pekanbaru : Universitas Riau – F.EKONOMI DAN BISNIS – ILMU EKONOMI., 2025

Deskripsi Fisik

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Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

2102110715

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

ILMU EKONOMI

Info Detail Spesifik

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Pernyataan Tanggungjawab

daus

Versi lain/terkait

Lampiran Berkas

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