ANALISIS PENGARUH INSTRUMEN KEBIJAKAN MAKROPRUDENSIAL (CAPITAL BUFFER DAN GIRO WAJIB MINIMUM+LOAN to DEPOSIT RATIO) TERHADAP PERTUMBUHAN KREDIT BANK UMUM KONVENSIONAL DI INDONESIA PERIODE 2011Q1-2016Q4

Authors

  • Adam Abdul Aziz

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh instrumen kebijakan makroprudensial Giro Wajib Minimum+Loan to Deposit Ratio (GWMLDR) dan Capital Buffer terhadap pertumbuhan kredit pada bank umum konvensional di Indonesia. Analisis data yang digunakan adalah regresi data panel. Penggunaan analisis data panel ditujukan untuk melihat bagaimana pengaruh dan signifikansi antara variabel dependen, variabel independen, dan variabel kontrol. Hasil dari penelitian ini yaitu instrumen makroprudensial GWMLDR tidak berpengaruh signifikan negatif terhadap pertumbuhan kredit bank umum konvensional, sedangkan untuk instrumen Capital Buffer berpengaruh signifikan negatif terhadap pertumbuhan kredit bank umum konvensional di Indonesia pada periode penelitian.

 

Kata kunci: Makroprudensial, Pertumbuhan Kredit bank umum konvensional, Giro Wajib Minimum+Loan to Deposit Ratio, Capital Buffer, Panel

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Published

2017-12-13

Issue

Vol. 6 No. 1

Section

S1 KEUANGAN DAN PERBANKAN

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