Credit Demand Factors on Commercial Banks in Indonesia on The Period 2001 - 2010

Huzaynah, Shelly and Wulandari, Pandam Rukmi and Yartiwulandari, Dini Credit Demand Factors on Commercial Banks in Indonesia on The Period 2001 - 2010. The First International Credit Union Conference on Social Micro.

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Abstract

The research aims to know the factors that affect demand for working capital and investment loan on commercial banks in Indonesia on the period 2001 -2010. The dependent variable in this research is demand of bank credit, and the independent variables are interest rate, inflation, Capital Adequacy Ratio (CAR), and Operational Cost Ratio (OCR).Data used in this research are secondary data obtained from Indonesian Bank on the period 2001 -2010, which used multiple linear regression analysis method. The results shows that CAR has significant affects on credit demand. Interest rate, Inflation, and OCR have no significant affect on credit demand.

Item Type: Article
Uncontrolled Keywords: Credit Demand; Interest Rate; Inflation; CAR; OCR
Subjects: A General Works > AI Indexes (General)
Divisions: Fakultas Ekonomi > Program Studi Akuntansi
Depositing User: Mr Reza Chandra
Date Deposited: 28 Feb 2014 09:52
Last Modified: 28 Feb 2014 09:52
URI: http://repository.gunadarma.ac.id/id/eprint/1196

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