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The effect of internal and external factors on bank investment credit’s demands

This paper examines the impression of internal and external factors on the demand for credit investment than trading banks in West Sumatra, Indonesia. Data were sourced from the quarterly data of 2000.1 to 2017.4. This study uses the Autoregressive Distributed Lag (ARDL) model through the Bounds tes...

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Main Authors: Antoni,, Aimon, Hasdi, Nasfi,, Ramadonna, Yullya, Subhan, Muhammad
Format: Article
Language:English
Published: Penerbit Universiti Kebangsaan Malaysia 2019
Online Access:http://journalarticle.ukm.my/14132/1/jeko_53%282%29-18.pdf
http://journalarticle.ukm.my/14132/
http://www.ukm.my/fep/jem/content/2019-2.html
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spelling my-ukm.journal.141322020-02-06T13:47:08Z http://journalarticle.ukm.my/14132/ The effect of internal and external factors on bank investment credit’s demands Antoni, Aimon, Hasdi Nasfi, Ramadonna, Yullya Subhan, Muhammad This paper examines the impression of internal and external factors on the demand for credit investment than trading banks in West Sumatra, Indonesia. Data were sourced from the quarterly data of 2000.1 to 2017.4. This study uses the Autoregressive Distributed Lag (ARDL) model through the Bounds testing approach. The change that is used is the demand for investment credit (CI), credit interest rate (SBK), third party funds (DPK), non-performing loans (NPL), exports (EXP), inflation (INF) and economic growth (PDRB). The findings indicate, in the short- show that third-party funds, exports, inflation and non-performing loans will cause the credit investment demand constraint to occur. This paper indicates that in order to increase the stability of the demand for credit investments of commercial banks, the government should encourage more investment in the farming sector and real estate/housing, including for small and medium enterprises Micro-Enterprises so that inter-regional trade can systematically stimulate regional economies. Additionally, there should be the investment interest rate and credit checks on the state of the creditors through the supervision of financial services in order to avoid greater credit risk in the future. Bank Indonesia is expected to increase control over inflation mainly related to investment credit demand. Penerbit Universiti Kebangsaan Malaysia 2019 Article PeerReviewed application/pdf en http://journalarticle.ukm.my/14132/1/jeko_53%282%29-18.pdf Antoni, and Aimon, Hasdi and Nasfi, and Ramadonna, Yullya and Subhan, Muhammad (2019) The effect of internal and external factors on bank investment credit’s demands. Jurnal Ekonomi Malaysia, 53 (2). pp. 1-12. ISSN 0127-1962 http://www.ukm.my/fep/jem/content/2019-2.html
institution Universiti Kebangsaan Malaysia
building Tun Sri Lanang Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Kebangsaan Malaysia
content_source UKM Journal Article Repository
url_provider http://journalarticle.ukm.my/
language English
description This paper examines the impression of internal and external factors on the demand for credit investment than trading banks in West Sumatra, Indonesia. Data were sourced from the quarterly data of 2000.1 to 2017.4. This study uses the Autoregressive Distributed Lag (ARDL) model through the Bounds testing approach. The change that is used is the demand for investment credit (CI), credit interest rate (SBK), third party funds (DPK), non-performing loans (NPL), exports (EXP), inflation (INF) and economic growth (PDRB). The findings indicate, in the short- show that third-party funds, exports, inflation and non-performing loans will cause the credit investment demand constraint to occur. This paper indicates that in order to increase the stability of the demand for credit investments of commercial banks, the government should encourage more investment in the farming sector and real estate/housing, including for small and medium enterprises Micro-Enterprises so that inter-regional trade can systematically stimulate regional economies. Additionally, there should be the investment interest rate and credit checks on the state of the creditors through the supervision of financial services in order to avoid greater credit risk in the future. Bank Indonesia is expected to increase control over inflation mainly related to investment credit demand.
format Article
author Antoni,
Aimon, Hasdi
Nasfi,
Ramadonna, Yullya
Subhan, Muhammad
spellingShingle Antoni,
Aimon, Hasdi
Nasfi,
Ramadonna, Yullya
Subhan, Muhammad
The effect of internal and external factors on bank investment credit’s demands
author_facet Antoni,
Aimon, Hasdi
Nasfi,
Ramadonna, Yullya
Subhan, Muhammad
author_sort Antoni,
title The effect of internal and external factors on bank investment credit’s demands
title_short The effect of internal and external factors on bank investment credit’s demands
title_full The effect of internal and external factors on bank investment credit’s demands
title_fullStr The effect of internal and external factors on bank investment credit’s demands
title_full_unstemmed The effect of internal and external factors on bank investment credit’s demands
title_sort effect of internal and external factors on bank investment credit’s demands
publisher Penerbit Universiti Kebangsaan Malaysia
publishDate 2019
url http://journalarticle.ukm.my/14132/1/jeko_53%282%29-18.pdf
http://journalarticle.ukm.my/14132/
http://www.ukm.my/fep/jem/content/2019-2.html
_version_ 1662755926683156480
score 13.211869

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