CD Skripsi
Pengaruh Pdrb, Suku Bunga, Dan Agen Terhadap Tabungan Branchless Banking Laku Pandai Di Provinsi Riau Periode 2015.Q1-2019.Q4
This study aims to analyze the influence, pdrb, interest rates, and agents on
branchless banking savings in smart behavior in Riau Province in the long and short
term 2015.Q1 - 2019.Q4. This research was conducted in Riau Province with the aim
of using data from the 2015.Q1 - 2019.Q4 period to produce accurate estimates and
conclusions regarding the variables studied and to find out the interpretation of the
research object using quarterly data for 5 years.
The method used in this research is descriptive and quantitative methods. The
analysis model used is multiple linear regression analysis (help of EViews 10
software). The data analysis technique used is the error correction model. As for
seeing the effect of independent variables on the dependent variable in the long term
and short term where the end result will measure the effect of GDP, interest rates,
and agents on branchless banking savings in smart behavior in Riau Province in the
long and short term.
The results of this study indicate that in the long term, pdrb has a positive and
significant effect on smart banking branchless savings, interest rates have a negative
and insignificant effect on branchless banking savings with smart behavior, and
agents have a positive and significant effect on branchless banking savings with
smart behavior in the province. Riau. In the short term, pdrb has a positive and
insignificant effect on the savings of branchless banking with smart behavior, interest
rates have a negative and insignificant effect on savings at branchless banking at
smart behavior, and agents have a positif and significant effect on savings at
branchless banking with smart behavior in Riau Province.
Keywords: savings, branchless banking, smart behavior, pdrb, interest rates, agents
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