scholarly journals PENGARUH SUKU BUNGA, LOAN TO DEPOSITO RATIO (LDR), DAN DANA PIHAK KETIGA (DPK) TERHADAP PENYALURAN KREDIT PADA BANK PERKREDITAN RAKYAT (BPR) DI KABUPATEN BANTUL PERIODE 2014-2015

2020 ◽  
Vol 3 (2) ◽  
pp. 14-20
Author(s):  
Intania Tisna Sari Siswanto ◽  
Risal Rinofah
Keyword(s):  
Time Series ◽  
Regression Analysis ◽  
Interest Rates ◽  
Cross Section ◽  
Financial Services ◽  
Third Party ◽  
Annual Data ◽  
Significance Level ◽  
The Third ◽  
The Interest Rate

AbstrakPenelitian ini bertujuan untuk mengetahui bagaimana pengaruh tingkat suku bunga, Loan to deposit ratio (LDR) dan dana pihak ketiga (DPK) terhadap pemberian kredit pada BPR di Kabupaten Bantul tahun 2014-2018. Data yang digunakan dalam penelitian ini adalah penampang 14 bank dan seri waktu 5 tahun dari 2014 hingga 2018 yang diperoleh dari data tahunan dari Otoritas Jasa Keuangan (OJK) dan Bank Indonesia. Metode analisis yang digunakan adalah analisis regresi berganda. Tes dilakukan pada hipotesis dengan asumsi klasik menggunakan tingkat signifikansi 0,05 atau 5%. Dari hasil penelitian ini ditemukan bahwa tingkat suku bunga variabel, memiliki pengaruh tidak signifikan terhadap pinjaman kepada bank kredit rakyat di Kabupaten Bantul pada tahun 2014-2018. Sedangkan Loan to deposit ratio dan dana pihak ketiga secara simultan memiliki pengaruh yang signifikan terhadap peminjaman di bank kredit rakyat pada 2014-2018 dengan F 535.879 dan signifikan. level 0,000. Dari hasil uji-t dengan tingkat signifikan parsial a = 0,05 atau 5%, ditemukan bahwa variabel suku bunga berpengaruh negatif dan tidak signifikan, rasio Loan to deposit berpengaruh positif dan signifikan dan pihak ketiga dana berpengaruh positif dan signifikan pada pinjaman ke bank kredit. orang dari 2014-2015. Pengaruh besar yang disebabkan (Adjusted R-Square) oleh variabel ketiga pada variabel dependen adalah 96,6% sedangkan sisanya dipengaruhi oleh variabel lain yang tidak diteliti dalam penelitian ini.Kata Kunci :   Suku Bunga, Loan to Deposito Ratio (LDR), Dana Pihak Ketiga (DPK), Penyaluran KreditAbstractThis study aims to determine how the influence of interest rates, Loan to deposit ratio (LDR) and third party funds (DPK) on lending at the Rural Bank (BPR) in Bantul Regency in 2014-2018. The data used in this study are cross section of 14 banks and 5-year time series from 2014 to 2018 obtained from annual data from the Financial Services Authority (OJK) and Bank Indonesia. The analytical method used is multiple regression analysis. Tests carried out on hypotheses with classical assumptions using a significance level of 0.05 or 5%. From the results of this study it was found that the variable interest rates, had a non-significant effect on lending to the people's credit banks in Bantul district in 2014-2018. Whereas Loan to deposit ratio and third party funds simultaneously have a significant influence on lending at people's credit banks in 2014-2018 with an F of 535,879 and significant. level 0,000. From the results of the t-test with a partial significant level a = 0.05 or 5%, it was found that the interest rate variable had a negative and not significant effect, the Loan to deposit ratio had a positive and significant effect and third party funds had a positive and significant effect on lending to credit banks. people of 2014-2015. The big influence caused (Adjusted R-Square) by the third variable on the dependent variable is 96.6% while the rest is influenced by other variables not examined in this study.Keywords :   Interest Rates, Loan to Deposit Ratio (LDR), Third Party Funds (DPK), Credit Distribution

scholarly journals Pengaruh Pendapatan , Jumlah Nasabah Dan Tingkat Suku Bunga Terhadap Penyaluran Kredit Pt Pegadaian Cabang Kabupaten Jember Periode 2013 -2017

2019 ◽  
Vol 15 (1) ◽  
pp. 151-174
Keyword(s):  
Time Series ◽  
Regression Analysis ◽  
Interest Rate ◽  
Interest Rates ◽  
Time Series Data ◽  
Computer Software ◽  
Secondary Data ◽  
Series Data ◽  
The Interest Rate ◽  
Number Of Customers

The research objective was to analyze the large number, number of customers, and interest rates on the loan distribution of PT Pegadaian Branch of Jember Regency.The type of data used in this study is secondary data consisting of time series data on income, number of customers obtained through the pawnshop office which is the object of research and interest rates for the period 2013-2017 obtained from BI which is the object of the research. The data is processed using computer software "SPSS 22" with multiple regression analysis methods. The Pawnshop Branch of Kabupaten Jember is very positive and significant towards lending to PT Pegadaian Branch of Kabupaten Jember, while the Interest Rate does not significantly influence the lending of PT Pegadaian Branch of Kabupaten Jember. Together, it focuses positively and significantly on the loan distribution of PT Pegadaian Branch of Jember Regency

scholarly journals Pengaruh Suku Bunga, Loan to Deposit Ratio (LDR) dan Pertumbuhan Kredit terhadap Inflasi di Indonesia

Jurnal Ecogen ◽  
2019 ◽  
Vol 1 (3) ◽  
pp. 557
Author(s):  
Putri Yeni ◽  
Syamsul Amar ◽  
Alpon Satrianto
Keyword(s):  
Time Series ◽  
Regression Analysis ◽  
Interest Rate ◽  
Interest Rates ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Credit Growth ◽  
Descriptive Research ◽  
Positive Effect

This study aims to analyze the influence of interest rates, Loan to Deposit Ratio (LDR) and credit growth to inflation in Indonesia. This type of research is descriptive research and uses secondary data in the form of time-series from 2007 to 2016 using the method of multiple linear regression analysis. The results of this study indicate that interest rates have a significant and positive effect on inflation in Indonesia. The Loan to Deposit Ratio (LDR) has a significant and positive effect on inflation in Indonesia. Credit growth has a significant and positive effect on inflation in Indonesia. Based on the results of this study it can be concluded that there is a significant influence between interest rates, Loan to Deposit Ratio (LDR) and credit growth to inflation in Indonesia. Keyword: Inflation, Interest Rate, Loan to Deposit Ratio (LDR), Credit Growth

scholarly journals A Tax-Based Estimate of the Elasticity of Intertemporal Substitution

2013 ◽  
Vol 03 (01) ◽  
pp. 1350001 ◽  
Author(s):  
Jonathan Gruber
Keyword(s):  
Time Series ◽  
Interest Rate ◽  
Interest Rates ◽  
Consumer Expenditure ◽  
Intertemporal Substitution ◽  
Tax Rate ◽  
Elasticity Of Intertemporal Substitution ◽  
Using Data ◽  
The Interest Rate ◽  
The Impact

One of the most important behavioral parameters in macroeconomics is the elasticity of intertemporal substitution (EIS). Starting with the seminal work of Hall (Hall, R., 1978, Stochastic Implications of the Life Cycle — Permanent Income Hypothesis: Theory and Evidence, Journal of Political Economy 86, 971–987), researchers have used an Euler equation framework to estimate the EIS, relating the growth rate of consumption to the after-tax interest rate facing consumers. This large literature has, however, produced very mixed results, perhaps due to an important limitation: The impact of the interest rate on consumption or savings is identified by time-series movements in interest rates. Yet the factors that cause time-series movements in interest rates may themselves be correlated with consumption or savings decisions. I address this problem by using variation across individuals in the capital income tax rate. Conditional on observable characteristics of individuals, tax rate movements cause exogenous shifts in the after-tax interest rate. Using data on total non-durable consumption from the Consumer Expenditure Survey over two decades, I estimate a surprisingly high EIS of two. This finding is robust to a variety of specification checks.

scholarly journals Analisis Pengaruh Pertumbuhan Ekonomi, Jumlah Angkatan Kerja dan Upah Minimum Regional Terhadap Pengangguran Terdidik di Jawa Timur

2017 ◽  
Vol 4 (2) ◽  
pp. 187
Author(s):  
R. Achmad Ryan Z ◽  
Nanik Istiyani ◽  
Anifatul Hanim
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Regression Analysis ◽  
Panel Data ◽  
Labor Force ◽  
Cross Section ◽  
Secondary Data ◽  
Minimum Wages ◽  
Panel Data Regression ◽  
Data Regression

This research aimed to determine how much the influence of economic growth, the number of labor force and regional minumum wages on educated unemployment in East Java. The data used in this research is secondary data such as time series and cross section. The analytical method used in this research is panel data regression analysis. The results showed that variable of the economic growth was positifly and not significantly affect to the educated unemployment in East Java, whereas the number of labor force and regional minimum wages was positivly and significantly affect to the educated unemployment in East Java. Keywords: The Economic Growth, the Number of Labor Force and Regional Minimum Wages.

scholarly journals FRIENDLY LOAN: A LEGAL STUDY IN MALAYSIA

2021 ◽  
Vol 6 (26) ◽  
pp. 39-47
Author(s):  
Hua Siong Wong
Keyword(s):  
Interest Rate ◽  
Central Bank ◽  
Interest Rates ◽  
Financial Institutions ◽  
Financial Services ◽  
Legal Issues ◽  
Legal Study ◽  
Library Research ◽  
Laws And Policies ◽  
The Interest Rate

Financial institutions licensed which were established under the Financial Services Act 2013 and the Moneylenders Act 1951 in Malaysia will provide financial loans at the interest rate charged permitted by-laws and guidelines from the Central Bank of Malaysia to borrowers. However, not all borrowers can afford to pay high and onerous interest rates. Therefore, the law in Malaysia allows for friendly loans, i.e. the lender will provide financial loans assistance to the borrower from of interest or with minimal interest rate. This study will focus on the extent to which the legal issues of the practice of friendly loans in Malaysia and whether the provisions of current laws and policies can protect the interests of both lenders and recipients of friendly loans. This study is qualitative in nature and involves library research. The results of this study will look at aspects of legal issues in order to protect the interests of both lenders and recipients of friendly loans. In fact, Malaysia could also consider creating a special law on friendly loans and regulated by the authorities.

scholarly journals PERBANDINGAN PENGARUH SUKU BUNGA DAN INFLASI TERHADAP KREDIT DAN PEMBIAYAAN (Studi Kasus pada Bank Umum Konvensional dan Bank Umum Syariah periode 2011-2015)

IQTISHODUNA ◽  
2017 ◽  
Vol 12 (2) ◽  
pp. 91-97
Author(s):  
Hasannudin Nursalim Putra ◽  
Irnin Miladyan Aryq ◽  
Lilik Jazilatul Mufidah
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Path Analysis ◽  
The State ◽  
Financial Policy ◽  
The Third ◽  
The Interest Rate ◽  
Policy Interest

Inflationary pressures that often time there was a can shake economy the state, to face inflationarypressures one of the efforts of the country to control the inflation is by issuing policy interest rate by theIndonesia bank as central financial policy monetary and fiscal. The banks have the role of to control the rateinflation. The interest rate that set by the bank will affect the level distribution credit of bank conventional andfinancing of sharia bank. For that researchers want to see the influence of direct and indirect interest rates tocredit and financingand inflation as variable intervening. The kind of research is quantitative with the sampleof six general Sharia Bank and the generalconventional bank in Indonesia period 2011 until 2015 taken withpurposive sampling. Themethod is path analysis. Based onsignificant test, the first significant test has resultthat interest rates significant of inflation. Thesecond significant testhas results that the interest rate notsignificant on the distribution credit and financing. The third significant test has result that inflation is notsignificant to distribution credit and financing. So this is can concluded that inflation will not be variableintervening for the distribution credit and financing.

scholarly journals Faktor penentu indeks pembangunan manusia dan hubungannya dengan belanja infrastruktur serta pertumbuhan ekonomi Kabupaten/Kota Provinsi Jambi

2021 ◽  
Vol 16 (2) ◽  
pp. 343-358
Author(s):  
Herinoto Herinoto ◽  
M. Rachmad R ◽  
Zulfanetti Zulfanetti
Keyword(s):  
Economic Growth ◽  
Time Series ◽  
Regression Analysis ◽  
Panel Data ◽  
Correlation Analysis ◽  
Cross Section ◽  
Human Development Index ◽  
Secondary Data ◽  
Simple Correlation ◽  
The Relationship

This study aims to analyze the factors that determine the Human Development Index (HDI), to analyze the relationship between HDI and infrastructure spending, and to analyze the relationship between infrastructure spending and economic growth in districts/cities in Jambi Province. The data used in this study are secondary data with the type of Time Series 2012-2018 and Cross Section 11 districts/cities. This study uses Panel Data Multiple Regression Analysis and Simple Correlation Analysis using the E-views 10 tool. The results of this study indicate that the HDI of districts/cities in Jambi Province increases every year, partially the ratio of teachers to students, number of health facilities, and density. The population has a positive and significant effect in determining HDI. While the poverty factor has a negative but not statistically significant effect in determining the HDI of districts/cities in Jambi Province with an R-Square value of 0.9312. The relationship between HDI and infrastructure spending has a negative and insignificant effect, which means that an increase in infrastructure spending will increase the decrease in the value of HDI. The relationship between growth spending and economic growth has a positive and significant effect, which means that an increase in the value of infrastructure spending will increase the value of economic growth.  

BEHAVIOR OF INTEREST RATES IN A GENERAL EQUILIBRIUM MULTISECTOR MODEL WITH IRREVERSIBLE INVESTMENT

1997 ◽  
Vol 1 (1) ◽  
pp. 206-227 ◽  
Author(s):  
WILBUR JOHN COLEMAN II
Keyword(s):  
Time Series ◽  
Interest Rate ◽  
General Equilibrium ◽  
Interest Rates ◽  
Real Interest Rate ◽  
Irreversible Investment ◽  
The Real ◽  
Future Return ◽  
The Interest Rate ◽  
Multisector Model

The behavior of the real interest rate in a general equilibrium multisector model with irreversible investment is examined. It is shown that in such a model purely sectoral shocks can lead to substantial variation in the real interest rate and other aggregate time series. A source of variation in aggregate time series that is not found in one-sector models is thus examined, and the implications of this source of variation for the behavior of the interest rate are highlighted. Such a model seems to better capture the relationship among the real interest and output or investment than the standard one-sector stochastic growth model. It is also shown that, because of a desire to smooth consumption, with irreversible investment a rise in uncertainty concerning the future return to capital tends to lead to more current investment and a lower real interest rate.

scholarly journals Solving the Omitted Variables Problem of Regression Analysis Using the Relative Vertical Position of Observations

2012 ◽  
Vol 2012 ◽  
pp. 1-25 ◽  
Author(s):  
Jonathan E. Leightner ◽  
Tomoo Inoue
Keyword(s):  
Regression Analysis ◽  
Government Spending ◽  
Reduced Form ◽  
Vertical Position ◽  
Annual Data ◽  
Theoretical Argument ◽  
Omitted Variables ◽  
The Third ◽  
The Usa ◽  
The Government

The omitted variables problem is one of regression analysis’ most serious problems. The standard approach to the omitted variables problem is to find instruments, or proxies, for the omitted variables, but this approach makes strong assumptions that are rarely met in practice. This paper introduces best projection reiterative truncated projected least squares (BP-RTPLS), the third generation of a technique that solves the omitted variables problem without using proxies or instruments. This paper presents a theoretical argument that BP-RTPLS produces unbiased reduced form estimates when there are omitted variables. This paper also provides simulation evidence that shows OLS produces between 250% and 2450% more errors than BP-RTPLS when there are omitted variables and when measurement and round-off error is 1 percent or less. In an example, the government spending multiplier, , is estimated using annual data for the USA between 1929 and 2010.

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