Dampak kompetisi bank dan efektifitas mekanisme transmisi kebijakan moneter terhadap perilaku kredit bank di indonesia
Abstract
Tujuan dari penelitian ini adalah untuk mengetahui bagaimana Dampak Persaingan dan Efektivitas Bank terhadap Mekanisme Transmisi Kebijakan Moneter terhadap Perilaku Bank di Indonesia. Data diperoleh dari publikasi Laporan Keuangan yang dikeluarkan oleh Bank Indonesia pada periode 2010 - 2014. Populasi penelitian ini adalah 44 BUSN Devisa. Penelitian ini menggunakan regresi data panel dengan metode Fixed Effect (FEM) dengan program Eviews 8. Hasil dari penelitian ini menunjukkan bahwa tingkat persaingan signifikan terhadap Perilaku Kredit, Penetapan Kebijakan Moneter secara signifikan negatif terhadap tingkah laku Kredit BUSN Devisa, Interaksi Tingkat Perbankan Persaingan dengan Efektivitas Mekanisme Transmisi Kebijakan Moneter cukup signifikan terhadap Tingkat Perilaku Kredit BUSN Devisa, Ukuran Bank tidak berpengaruh signifikan terhadap Perilaku Devisa Credit BUSN, PDB (Produk Domestik Bruto) signifikan positif terhadap tingkat perilaku pinjaman bank.
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