BEBERAPA FAKTOR YANG MEMPENGARUHI JUMLAH KREDIT KONSUMTIF PADA BANK UMUM DI BALI TAHUN 2004-2012.

Abstract

Abstrak

Perkembangan kredit di Indonesia didominasi oleh kredit konsumtif. Jumlah kredit konsumtif dipengaruhi oleh berbagai faktor, tetapi dalam penelitian ini hanya diteliti beberapa faktor, diantaranya: dana pihak ketiga, suku bunga kredit konsumtif, indeks harga konsumen dan kurs. Dalam penelitian ini menggunakan data sekunder tahun 2004-2012, dari hasil penelitian menunjukkan bahwa secara serempak dana pihak ketiga, suku bunga kredit konsumtif, indeks harga konsumen dan kurs berpengaruh terhadap kredit konsumtif. Dana pihak ketiga berpengaruh positif dan signifikan terhadap kredit konsumtif, sedangkan suku bunga kredit konsumtif, indeks harga konsumen dan kurs tidak berpengaruh terhadap jumlah kredit konsumtif.

Kata kunci: kredit konsumtif

Abstract

Credit consumtif have a biggest growth in Indonesia. That the credit consumtif rapid growth than credits investment and work capital credits. There are many factor can impact the number of comsumif credits but in this research only use same factor, include: funding, interest rate of consumtif credits, consumer price index and exchange rate. This research objective is to understand the impact funding, interest rate of consumtif credits, consumer price index and exchange rate to the number of cumsumtif creditsof commercial banks in Bali, 2004-2012, The result analysis of this research can explained that funding, interest rate of consumtif credits, consumer price index and exchange rate simultaneously influence to the cunsumtif credits of commercial banks in Bali. Funding partially positively influence the number of comsumtif credits, but interest rate of cumsumtif, consumer price index and exchange rate not influence the number of consumtif credits.

Key word: credit consumtif