Analisis Tingkat Persaingan Pasar Kredit Perbankan Terhadap Pinjaman Di Indonesia
ABSTRAK
ANALISIS TINGKAT PERSAINGAN PASAR KREDIT PERBANKAN
TERHADAP PINJAMAN DI INDONESIA
Penelitian ini bertujuan untuk meneliti tentang seberapa besar pengaruh atau
dampak dari persaingan pasar kredit terhadap pinjaman di Indonesia. Pinjaman
yang dimaksud dalam penelitian ini adalah jumlah/ volume kredit yang telah
disalurkan perbankan Indonesia kepada masyarakat. Persaingan pasar kredit
dalam penelitian ini direpersentasikan dalam 4 skema faktor persaingan pasar
kredit perbankan yaitu, Jumlah Perbankan (JB), Suku Bunga Pinjaman (i), Non
Performing Loan (NPL), Pertumbuhan Ekonomi (Y). Metode yang digunakan
dalam penelitian ini adalah Regresi Data Panel dan uji kesesuaian (Test of
Goodness of Fit).
Model yang digunakan dalam penelitian ini adalah model data panel FEM untuk
melihat pengaruh persaingan pasar yang terdiri dari : jumlah perbankan, suku
bunga kredit (pinjaman), Non Performing Loan (NPL), pertumbuhan ekonomi di
Indonesia.
Hasil penelitian menunjukkan kelompok bank yang paling representative di pasar
persaingan adalah Bank Persero, dengan Jumlah Perbankan dan suku bunga
pinjaman berpengaruh positif terhadap pinjaman, sedangkan Non Performing
Loan (NPL) dan pertumbuhan ekonomi berpengaruh negatif terhadap pinjaman di
Indonesia.
Kata Kunci : Jumlah Kredit Perbankan, Persaingan Pasar Kredit Perbankan,
Suku Bunga, NPL (Non Performing Loan), Pertumbuhan
Ekonomi, Regresi Data Panel, Uji Kesesuaian.
i
Abstract
ANALYSIS OF BANKING CREDIT MARKET LEVEL OF
COMPETITION ABOUT LOAN IN INDONESIA
This research aims to examine how much creedit market competition effects loan
in Indonesia. ‘Loan’ in this research refers to credit total/ amount that has been
circulated by Indonesian banking to communities. The competition between credit
market in this research is represented by 4 competition factor schemes, which are
amount of banking (JB), bank lending rate (i), non performing loan (NPL),
economic growth (Y). This research uses panel data regression method and
proper test (Test of Goodness of Fit).
The model used in this research is panel data model FEM to see the effect of
credit market competition consisting of : total number of Banking, Loan Interest
Rates, Non Performing Loan, Economic growth in Indonesia.
The results of this research show that banking group which is the most
representative in market competition is state banks, with banking amounts and
bank lending rate give positive effect about loan, meanwhile non performing loan
(NPL) and economic growth give negative effect about loan in Indonesia.
Keywords : Banking Amount, Credit Market Competition Banking, lending rate,
NPL (Non Performing Loan), Economic Growth, Panel Data
Regression, Test of Goodness of Fit.
ii
ANALISIS TINGKAT PERSAINGAN PASAR KREDIT PERBANKAN
TERHADAP PINJAMAN DI INDONESIA
Penelitian ini bertujuan untuk meneliti tentang seberapa besar pengaruh atau
dampak dari persaingan pasar kredit terhadap pinjaman di Indonesia. Pinjaman
yang dimaksud dalam penelitian ini adalah jumlah/ volume kredit yang telah
disalurkan perbankan Indonesia kepada masyarakat. Persaingan pasar kredit
dalam penelitian ini direpersentasikan dalam 4 skema faktor persaingan pasar
kredit perbankan yaitu, Jumlah Perbankan (JB), Suku Bunga Pinjaman (i), Non
Performing Loan (NPL), Pertumbuhan Ekonomi (Y). Metode yang digunakan
dalam penelitian ini adalah Regresi Data Panel dan uji kesesuaian (Test of
Goodness of Fit).
Model yang digunakan dalam penelitian ini adalah model data panel FEM untuk
melihat pengaruh persaingan pasar yang terdiri dari : jumlah perbankan, suku
bunga kredit (pinjaman), Non Performing Loan (NPL), pertumbuhan ekonomi di
Indonesia.
Hasil penelitian menunjukkan kelompok bank yang paling representative di pasar
persaingan adalah Bank Persero, dengan Jumlah Perbankan dan suku bunga
pinjaman berpengaruh positif terhadap pinjaman, sedangkan Non Performing
Loan (NPL) dan pertumbuhan ekonomi berpengaruh negatif terhadap pinjaman di
Indonesia.
Kata Kunci : Jumlah Kredit Perbankan, Persaingan Pasar Kredit Perbankan,
Suku Bunga, NPL (Non Performing Loan), Pertumbuhan
Ekonomi, Regresi Data Panel, Uji Kesesuaian.
i
Abstract
ANALYSIS OF BANKING CREDIT MARKET LEVEL OF
COMPETITION ABOUT LOAN IN INDONESIA
This research aims to examine how much creedit market competition effects loan
in Indonesia. ‘Loan’ in this research refers to credit total/ amount that has been
circulated by Indonesian banking to communities. The competition between credit
market in this research is represented by 4 competition factor schemes, which are
amount of banking (JB), bank lending rate (i), non performing loan (NPL),
economic growth (Y). This research uses panel data regression method and
proper test (Test of Goodness of Fit).
The model used in this research is panel data model FEM to see the effect of
credit market competition consisting of : total number of Banking, Loan Interest
Rates, Non Performing Loan, Economic growth in Indonesia.
The results of this research show that banking group which is the most
representative in market competition is state banks, with banking amounts and
bank lending rate give positive effect about loan, meanwhile non performing loan
(NPL) and economic growth give negative effect about loan in Indonesia.
Keywords : Banking Amount, Credit Market Competition Banking, lending rate,
NPL (Non Performing Loan), Economic Growth, Panel Data
Regression, Test of Goodness of Fit.
ii