?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=ANALISIS+FAKTOR-FAKTOR+YANG+MEMPENGARUHI+PERKEMBANGAN+VOLUME+KREDIT+PERBANKAN+DI+INDONESIA+TAHUN+2009.01-2014.08&rft.creator=Indah+Permatasari%2C+1111021064&rft.subject=HC+Economic+History+and+Conditions&rft.subject=HJ+Public+Finance&rft.description=Tujuan+dari+penelitian+ini+adalah+untuk+menganalisis+faktor+%E2%80%93+faktor+yang++mempengaruhi+perkembangan+kredit+perbankan+dalam+bank+umum+di+Indonesia+yang+mana+terdiri+dari+beberapa+variabel+yaitu+Dana+Pihak+Ketiga%2C+Capital+Adequancy+Ratio%2C+Non+Performing+Loan%2C+dan+Suku+Bunga+Sertifikat+Bank+Indonesia.+Model+yang+digunakan+dalam+penelitian+ini+adalah+Error+Correction+Model+dengan+menggunakan+data+sekunder+dalam+bentuk+data+runtun+waktu+bulanan.%0D%0AHasil+penelitian+ini+menunjukan+bahwa+terjadi+hubungan+antara+variabel+dependen+kredit+dengan+keempat+variabel+bebas+baik+dalam+jangka+pendek+maupun+dalam+jangka+panjang%2C+hubungan+antara+variable+bebas+DPK%2C+NPL%2C+dan+SBI+berhubungan+positif+dengan+variabel+dependen+volume+kredit+pada+bank+umum+di+Indonesia+dan++variabel+bebas+CAR+berhubungan+negatif+dengan+variabel+dependen+volume+kredit+pada+bank+umum+di+Indonesia%2C+ini+berarti+ketiga+variabel+bebas+dalam+penelitian+ini+sesuai+dengan+hipotesis+awal+dan+satu+variabel+bebas+lainnya+berhubungan+negatif%2C+variabel+DPK+berpengaruh+positif+dan+signifikan%2C+variabel+NPL+berpengaruh+positif+dan+signifikan+pada+jangka+panjang+sementara+positif+tetapi+tidak+signifikan+pada+jangka+pendek%2C+variabel+SBI+berpengaruh+positif+dan+signifikan+terhadap+volume+kredit+bank+umum+di+Indonesia.+Sementara+berpengaruh+sebaliknya+terhadap+variabel+CAR+yang+berpengaruh+negatif+dan+tidak+signifikan+terhadap+volume+kredit.+%0D%0A%0D%0A%0D%0AKata+kunci+%3A+Total+Kredit%2C+Kredit+bank+umum%2C+Dana+pihak+Ketiga%2C+Capital+adequancy+Ratio%2C+Non+Performing+Loan%2C+Suku+bunga+Serifikat+Bank+Indonesia%2C+Error+Correction+Model%2C+Bank+umum.%0D%0A%0D%0A%0D%0AAbstrak+Bahasa+Inggris%0D%0A%0D%0AThe+purpose+of+this+study+was+to+analyze+factors+that+influence+the+development+of+bank+credit+at+commercial+banks+in+Indonesia+which+consists+of+several+variables%3A+Third+Fund%2C+Capital+Adequacy+Ratio%2C+Non-performing+loans%2C+and+the+interest+rate+of+Bank+Indonesia+Certificates.+The+model+used+in+this+study+is+the+Error+Correction+Model+by+using+secondary+data+of+monthly+time+series+data.%0D%0AThese+results+indicate+that+there+is+a+relationship+between+the+dependent+variable+credit+with+four+independent+variables+in+both+the+short+and+long+term%2C+the+relationship+between+independent+variable+DPK%2C+NPL%2C+and+SBI+is+positively+effected+to+dependent+variable+volumes+of+credit+at+commercial+banks+in+Indonesia+andthe+independent+variable+CAR+negatively+related+to+dependent+variable+volumes+of+credit+at+commercial+banks+in+Indonesia%2C+this+means+that+three+independent+variables+in+this+study+is+consistent+with+the+initial+hypothesis+and+the+other+independent+variables+negatively+related%2C+variable+DPK+positive+and+significant+impact%2C+variable+NPL+positive+and+significant+impact+at+long-term+positive+related+but+not+significant+in+the+short-term%2C+variable+SBI+positive+and+significant+impact+on+the+volume+of+commercial+bank+credit+in+Indonesia.+While+the+opposite+effect+on+the+variable+CAR+negative+and++not+significant+effect+on+the+volume+of+credit.%0D%0A%0D%0A%0D%0AKeywords%3A+Total+loans%2C+commercial+bank+loans%2C+third-party+funds%2C+capital+adequacy+ratio%2C+non-performing+loan%2C+interest+rate+of+Bank+Indonesia+Certificate%2C+Error+Correction+Model%2C+general+bank.%0D%0A&rft.publisher=Fakultas+Ekonomi+dan+Bisnis&rft.date=2015-10-27&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F2%2FCOVER%2520DALAM.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F22%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F21%2FABSTRACT.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F3%2FCOVER%2520DEPAN.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F4%2FDAFTAR%2520GAMBAR.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F5%2FDAFTAR%2520ISI.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F6%2FDAFTAR%2520LAMPIRAN.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F7%2FDAFTAR%2520TABEL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F8%2FMOTO.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F9%2FPERSEMBAHAN.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F12%2FMENYETUJUI.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F10%2FMENGESAHKAN.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F14293%2F11%2FRIWAYAT%2520HIDUP.pdf&rft.forma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