Pengaruh Penyaluran Kredit Investasi dan Kredit Modal Kerja Perbankan Terhadap Pertumbuhan Ekonomi Indonesia (Periode 2017-2020)

Aris, Rere Yulianto (2022) Pengaruh Penyaluran Kredit Investasi dan Kredit Modal Kerja Perbankan Terhadap Pertumbuhan Ekonomi Indonesia (Periode 2017-2020). Bachelor (S1) thesis, Wijaya Kusuma Surabaya University.

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Abstract

ABSTRAKSI Bank yang merupakan badan usaha atau lembaga yang menaungi bidang jasa keuangan dan merupakan penghimpun dana masyarakat yang selanjutnya disalurkan kembali kepada masyarakat lainnya, merupakan salah satu pendukung dalam aktivitas perekonomian. Kredit investasi dan kredit modal kerja ini merupakan pendapatan operasional terbesar yang diperoleh bank selain bunga, komisi, maupun pendapatan lainnya sebab menghasilkan bunga pinjaman yang mampu mendukung operasional bank, dimana semakin banyak penyaluran kreditnya maka semakin banyak perolehan pendapatan bunga. Tujuan dilakukannya penelitian ini adalah mengetahui kondisi kredit investasi dan kredit modal kerja perbankan apakah memberikan pengaruhnya pada pertumbuhan ekonomi sejak tahun 2017 hingga 2020. Penelitian ini memilih sampel dengan cara acak tanpa syarat-syarat tertentu melalui teknik Simple Random Sampling, sehingga diperoleh sampel sebanyak 12 bulan x 4 tahun = 48 sampel (Januari 2017 – Desember 2020). Teknik Analisa data yang dipilih adalah Regresi Linier Berganda dengan hasil analisa Kredit Investasi tidak ditemukan hubungan secara parsial terhadap Pertumbuhan Ekonomi, sedangkan Kredit Modal ditemukan hubungan secara parsial terhadap Pertumbuhan Ekonomi di Indonesia (periode 2017-2020). Kata Kunci: Kredit Investasi, Kredit Modal, dan Pertumbuhan Ekonomi ================================================================ ABSTRACT Bank was a business entity or institution that oversees the financial services sector and it was a collector of public funds which was then channeled back to other communities, one of the supporters in economic activity. These investment loans and working capital loans were the largest operating income obtained by banks in addition to interest, commissions, and other income because they generate loan interest that was able to support bank operations, where the more lending, the more interest income will be earned. The purpose of this study was to determine whether the condition of investment credit and banking working capital credit had an effect on economic growth from 2017 to 2020. This study selected a sample in a random way without certain conditions through the Simple Random Sampling technique, so that a sample of 12 months was obtained. x 4 years = 48 samples (January 2017 – December 2020). The data analysis technique chosen was Multiple Linear Regression with the results of the Investment Credit analysis not finding a partial relationship to Economic Growth, while Capital Credit found a partial relationship to Economic Growth in Indonesia (period 2017-2020). Keywords: Investment Credit, Capital Credit, and Economic Growth

Item Type:	Thesis (Bachelor (S1))
Uncontrolled Keywords:	Kata Kunci: Kredit Investasi, Kredit Modal, dan Pertumbuhan Ekonomi =============================================================== Keywords: Investment Credit, Capital Credit, and Economic Growth
Subjects:	H Social Sciences > HB Economic Theory H Social Sciences > HG Finance
Divisions:	Faculty of Economic and Business > Development Economics Study Program
Depositing User:	Aris Rere Yulianto
Date Deposited:	23 Sep 2022 02:36
Last Modified:	23 Sep 2022 02:36
URI:	http://erepository.uwks.ac.id/id/eprint/12280

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