Analisis determinan suku bunga kredit dari sisi penawaran : kelompok bank umum konvensional periode 2006-2012

Deskripsi

This research aim to analyze determinant factors of investment lending rate and working capital loan rate based on supply side, for conventional bank group during 2006-2012. Applying panel regression method, this study found that the effect of policy rates on bank loan rates is negative. Cost of Loanable Fund (COLF) has a positive impact on bank loan rates. Expected return of bank and loan market share have a positive impact on bank loan rates, while credit risk and supply of loan has a negative impact on bank loan rates. Empirical finding notes that there are similarities sign of the independent variables between those two dependent variables.Ada tabel