Contibution of Credit for Indonesia National Economic Growht from 2000 until 2013

Contibution of Credit for Indonesia National Economic Growht from 2000 until 2013

Author		: HARRIE LUTFIE; AGUS MAOLANA HIDAYAT; RAHMAT HIDAYAT
Published on	: Global Trend in Academic Research GTAR-2015

Abstract

“This study was to analyze whether the bank loans granted by banks to the type of credit that working capital loans, investment loans and consumer loans significant impact or not either totally or respectively to the economic development of Indonesia, as well as the extent of their sensitivity or elasticity – each type of credit against the Indonesian economic growth.

This study uses analysis and quantitative descriptive (verification), which descriptive study is describes the development of bank credit and the Indonesian economy by using secondary data obtained from the Central Bureau of Statistics BPS) and Bank Indonesia (BI). Variable used in this study is total lending, types of credit (working capital loans, investment loans and consumer credit as independent variables, and the dependent variable is the economic development (GDP) and economic growth. The analysis model used is a simple linear regression, multiple linear regression and elasticity.

The results of this study gave the possibility that in total bank credit or each type of credit can provide significant impact on the economic development of Indonesia, with a sensitivity or positive elasticity for each type of credit but are inelastic to economic development

Keywords: Working capital loans, investment loans, consumer loans, Economic Development And Elasticity”