Analisis Pengaruh Kebijakan Moneter Terhadap Jumlah Kredit Yang Dikeluarkan oleh Bank Umum di Sumatera Utara
Lusia : Analisis pengaruh kebijakan moneter, 2005
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Lusia : Analisis pengaruh kebijakan moneter, 2005
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ANALISIS PENGARUH KEBIJAKAN MONETER TERHADAP
JUMLAH KREDIT YANG DIKELUARKAN OLEH BANK
UMUM DI SUMATERA UTARA
OIeh : Lusia Pujianta. S
Nim : 010501012
ABSTRACT
Bank as an financial institution namely as an medium institute
from two party that is fund surplns units with fund deficit units. Especial
activity of banking is to collect fund of society in the form of deposit and
channel again the fund to society in the form of credit. Especial advantage
of banking business which pursuant to conventional principle obtained from
passed to deposit rate of interest difference is depositor with loan rate of
interest that released by bank. The advantage will be obtained if credit rate
of interest bigger than deposit rate of interest.
Amount of credit released by bank very influenced by monetary
policy with its instruments like rate of interest, rate of interest of SBI and
reserve requirement. Pursuant to theory if rate of interest go up hence
amount of credit released by bank will go down, if rate of interest of 8m go
up hence amount of released by credit is public bank will go down and if
primary reserve go up hence amount of credit released is public bank will
go down.
Pursuant to research, rate of interest, rate of interest of SBI and
primary reserve have an effect on reality to amount of credit released by
public bank. The monetary Policy instrument by together can give
clarification of variation amount of credit released by public bank equal to
78.2% while the rest 21.8% explained by other variable which do not be
packed into estimation model
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ANALISIS PENGARUH KEBIJAKAN MONETER TERHADAP
JUMLAH KREDIT YANG DIKELUARKAN OLEH BANK
UMUM DI SUMATERA UTARA
OIeh : Lusia Pujianta. S
Nim : 010501012
ABSTRACT
Bank as an financial institution namely as an medium institute
from two party that is fund surplns units with fund deficit units. Especial
activity of banking is to collect fund of society in the form of deposit and
channel again the fund to society in the form of credit. Especial advantage
of banking business which pursuant to conventional principle obtained from
passed to deposit rate of interest difference is depositor with loan rate of
interest that released by bank. The advantage will be obtained if credit rate
of interest bigger than deposit rate of interest.
Amount of credit released by bank very influenced by monetary
policy with its instruments like rate of interest, rate of interest of SBI and
reserve requirement. Pursuant to theory if rate of interest go up hence
amount of credit released by bank will go down, if rate of interest of 8m go
up hence amount of released by credit is public bank will go down and if
primary reserve go up hence amount of credit released is public bank will
go down.
Pursuant to research, rate of interest, rate of interest of SBI and
primary reserve have an effect on reality to amount of credit released by
public bank. The monetary Policy instrument by together can give
clarification of variation amount of credit released by public bank equal to
78.2% while the rest 21.8% explained by other variable which do not be
packed into estimation model
Lusia : Analisis pengaruh kebijakan moneter, 2005
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