PENGARUH SUKU BUNGA KREDIT, DANA MASYARAKAT, DAN PDRB TERHADAP PEMBERIAN KREDIT PADA BANK SULUT

Robinson Kumaat

Abstract


The interest rate of credit is a form of competition for banks can lend as much as possible. Besides the economic growth of a region considered to be one factor in lending by banks. Absorption of community funds contributed in lending, because according to the bank itself functions as an absorber and channeling public funds in the form of loans. Bank of North Sulawesi is one of the government-owned banks that absorb and distribute public funds in the form of loans. This study aims to determine the variable interest rate savings fund society, and North Sulawesi GDP effect on the provision of credit in the Bank of North Sulawesi as well as to know of the three variables, which variables are the dominant influence on the provision of credit in the Bank of North Sulawesi. This study uses primary data. Research shows that lending Bank of North Sulawesi jointly influenced and very noticeable by the third veriabel. This means that in the Bank’s lending ketigat Sulut must consider these factors, Estimate of the interest rate has a dominant influence on the provision of credit in the Bank of North Sulawesi, is not proved, because of the test results turned out variable turns North Sulawesi GDP variable is the dominant variable affecting the provision of credit with the Bank of North Sulawesi.
Keywords: credit, GDP, public deposits, interest rates
JEL Classification : E42, E51

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