Kepemilikan bank dan pertumbuhan kredit selama siklus bisnis

Titah Alasty Purbaningrum, Ardi Paminto, Rizky Yudaruddin

Abstract


Penelitian ini bertujuan untuk mengetahui bahwa pertumbuhan kredit oleh bank pemerintah dan bank domestik selama siklus bisnis. Metode penentuan sampel menggunakan metode purposive sampling dengan beberapa kriteria yang telah ditetapkan, sehingga jumlah sampel yang digunakan sebanyak 106 bank. Data penelitian ini menggunakan data sekunder yang diperoleh dari Bank Indonesia dan Badan Pusat Statistik. Metode penelitian ini menggunakan Generalized Method of Moments (GMM), yang dioperasikan melalui progam Stata 12. Hasil penelitian ini menemukan bahwa Pertumbuhan Kredit Tertunda memiliki efek positif dan signifikan terhadap Pertumbuhan Kredit, Pertumbuhan PDB Per Kapita memiliki efek positif dan signifikan terhadap Pertumbuhan Kredit, Interaksi PDB Per Kapita dan Bank Pemerintah memiliki efek negatif dan signifikan terhadap Pertumbuhan Kredit dan Interaksi PDB Per Kapita dan Bank Domestik memiliki efek negatif dan tidak signifikan terhadap Pertumbuhan Kredit

Keywords


Bank pemerintah; bank domestik; pertumbuhan kredit; siklus bisnis

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DOI: https://doi.org/10.29264/jimm.v3i2.1306

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