Open AccessFAKTOR-FAKTOR YANG MEMPENGARUHI ALOKASI KREDIT PERBANKAN DI PROVINSI SUMATERA UTARA
Author(s) -
Binsar Sihombing
Publication year - 2017
Publication title -
jurnal manajemen dan bisnis
Language(s) - English
Resource type - Journals
eISSN - 2685-7294
pISSN - 1412-0593
DOI - 10.54367/jmb.v10i1.70
Subject(s) - loan , non performing loan , gross domestic product , financial system , economics , business , mathematics , finance , macroeconomics
, His research is conducted to identify and analyze the determinant factors of bank loan in North Sumatera Province. To identify and analyze the determinant factors in bank loan is using the panel model. This model is using to estimate the elasticity of loan interest rate, deposit interest rate, intensity of competition or the numbers of bank office, the nominal Regional Gross Domestic Product [RGDP] and the Regional Gross Domestic Product [RGDP] by sectors towards bank loan. The panel model is choosing the fixed effect model [FEM] with RGDP as cross section specific coefficients. This model using the secondary data that published by BPS and Bank Indonesia Medan