| dc.description.abstract | Indonesia Banking credit has an uptrend if we look out during past few
years. Credits, which is given by bank to the third party is depended on
economic conditions in Indonesia as consideration for the credit risk,
whether it is investment credits, capital credits, and consumption credits.
Goals of this research was to investigate the behavior of macroeconomics
variable which is contain of inflation, GDP, BI rate and also external factor
world oil price to the Banking credits. In this research focused on using
quantitative analysis with OLS (Ordinary Least Squares) method. OLS
estimation shows that investment credit is determined by PDB and BI rate,
but inflation and world oil price is not significant. At capital credits,
inflation doesn’t have significant effect, so this credit is determined by GDP,
world oil price and BI rate. But, in consumption credit, there is only GDP
which has significant effect, whether inflation, world oil price, and BI rates
are not significant. Therefore, can be concluded that is not all of the
variables has the same effect to the each investment credits, capital
credits, and consumption credits. Just inflation which there is no effect to
all of kind of credits, and GDP has significant effect to all of kind of credits. | en_US |
