Analisis Estimasi Permintaan dan Penawaran Kredit Konsumsi di Sumatera Utara (Periode 1990-2011)
Abstract: This study aims to
determine how much influence the Interest Rate and Per Capita Income of the
consumer credit demand in North Sumatera as well as to determine how much
influence the, Gross Domestic Regional Product and Non Performing Loan (NPL) to
offer consumer credit in North Sumatera.In this study, data obtained from Bank
Indonesia branch of North Sumatera, Central Bureau of Statistics of North
Sumatera and other sources that is research result and journals. Data beginning
in 1990-2011using Two Stage Least Square method.The results showed demand for
consumer credit in North Sumatera, according to the results of TSLS influenced
by Third Party Funds, Interest Rate and Income Per Capita. While consumer
credit offering in North Sumatera by TSLS results are influenced by Third Party
Funds.
Keywords: Third Party Funds,
Interest Rate, Per Capita Income, Gross Domestic Regional Product and Non
Performing Loans(NPL)
Penulis: Martin Hansen Simaremare,
Paidi Hidayat
Kode Jurnal: jpakuntansidd130562
