Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Factors influencing Indonesian rural banks’ credit disbursement
Dublin Core
Title
Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Factors influencing Indonesian rural banks’ credit disbursement
Factors influencing Indonesian rural banks’ credit disbursement
Subject
Forecasting; Microcredit; Non-performing loans; Spread; Vector Error Correction Model
Description
Distribution of microcredits has a great opportunity, considering micro-businesses in Indonesia reaches 98 percent of all types of businesses. Microlending has become the leading market share for BPRs to channel their funds. This research aims to identify factors that effect the increase of micro-credit disbursements. This study
uses a Vector Error Correction Model (VECM) method with a type of monthly time series data from 2012 to 2018. The sample of this study is the Rural Credit Banks. The results of this study explain that the BPR non-performing loan (NPL) variable, both in the long term and short term, does not significantly influence the increase in micro-credit distribution. In contrast, the variable spread in the short term and long term shows a significant positive effect on increasing microcredit distribution. Forecasting for variable increases in credit distribution fluctuates with a downward trend. The NPL variable has an increasing trend, and it is projected that the next 90 months will reach 12 percent. The spread variable has a downward trend for the next 40 months which then the trend will continue to increase for the next 90 months.
uses a Vector Error Correction Model (VECM) method with a type of monthly time series data from 2012 to 2018. The sample of this study is the Rural Credit Banks. The results of this study explain that the BPR non-performing loan (NPL) variable, both in the long term and short term, does not significantly influence the increase in micro-credit distribution. In contrast, the variable spread in the short term and long term shows a significant positive effect on increasing microcredit distribution. Forecasting for variable increases in credit distribution fluctuates with a downward trend. The NPL variable has an increasing trend, and it is projected that the next 90 months will reach 12 percent. The spread variable has a downward trend for the next 40 months which then the trend will continue to increase for the next 90 months.
Creator
Setia Murningsih, Muhammad Firdaus, Budi Purwanto
Source
http://jurnal.unmer.ac.id/index.php/jkdp
Publisher
Universitas Merdeka Malang
Date
April 2020
Contributor
Sri Wahyuni
Rights
ISSN: 2443-2687 (Online) ISSN: 1410-8089 (Print)
Format
PDF
Language
English
Type
Text
Coverage
Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Files
Collection
Citation
Setia Murningsih, Muhammad Firdaus, Budi Purwanto, “Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Factors influencing Indonesian rural banks’ credit disbursement,” Repository Horizon University Indonesia, accessed November 21, 2024, https://repository.horizon.ac.id/items/show/4731.
Factors influencing Indonesian rural banks’ credit disbursement,” Repository Horizon University Indonesia, accessed November 21, 2024, https://repository.horizon.ac.id/items/show/4731.