Laba bersih per kredit serta pengaruhnya terhadap pertumbuhan kredit di Indonesia pada periode tahun 2007-2011

Deskripsi

This study aims to analyze the differences of loan growth among Commercial Banks and Rural Banks in Indonesia. There are two models, the first one uses Net Income per Loan, Liquidity, Capitalization, Size, State Loan Growth and Loan Quality as its independent variables. The second uses Lagged Net Income per Loan, Liquidity, Capitalization, Size, State Loan Growth and Loan Quality as its independent variables. This study employs panel data regression. The results of this study indicate that there is a negative and significant effect on Net Income per Loan to Loan Growth in Commercial Banks, while in Rural Banks, the effect is not significant. On the contrary, the results show that there is a negative and significant effect on Lagged Net Income per Loan to Loan Growth in Rural Banks, while in Commercial Banks, the effect is not significant.Ada tabel