THE EFFECT OF INTEREST RATES ON THE DEMAND FOR MULTIPURPOSE LOAN (KSG) AT PT. BANK PERKREDITAN RAKYAT HASAMITRA DAYA MAKASSAR CITY BRANCH
Main Article Content
Devi Adnyaswari Ngabe Joyti*
Agung Widhi Kurniawan
Nurman
Anwar
Andi Mustika Amin
Banks play a crucial role as financial institutions by collecting and distributing public funds to support national development. Conventional banks primarily generate income through interest charged on loans provided to borrowers. This study aimed to investigate the impact of interest rates on the demand for multipurpose loan (KSG) at PT. Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch. The variables considered in this study are interest rates and the demand for multipurpose loans. The population for this study consists of all interest rate data and credit request reports for multipurpose loans at PT. Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch. The sample includes interest rate data and credit request reports for multipurpose loan at PT Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch, from 2015 to 2022, covering each quarter. The data collection techniques employed in this study are documentation and interviews. The analysis used to determine the relationship between the independent variables and the dependent variable includes simple linear regression, classical assumption tests, and hypothesis testing. The results of the regression equation for the impact of interest rates on the demand for multipurpose loans are as follows: Y = 17,337,852 - 75,073 X. Based on these findings, interest rates do not exhibit a significant effect on the demand for multipurpose loans. The influence of interest rates on the demand for multi-purpose credit at PT. Bank Perkreditan Rakyat Hasamitra Daya, Makassar City Branch, accounts for 38.4%. The remaining 61.6% is influenced by other factors not examined in this study.
Abbas, K., & Malik, M. H. (2008). Impact of financial liberalisation and deregulation on banking sector in Pakistan. The Pakistan Development Review, 287–313.
Bhegawati, D. A. S., & Utama, M. S. (2020). The role of banking in Indonesia in increasing economic growth and community welfare. South East Asia Journal of Contemporary Business, Economics and Law, 22(1), 83–91.
Lamperti, F., Bosetti, V., Roventini, A., Tavoni, M., & Treibich, T. (2021). Three green financial policies to address climate risks. Journal of Financial Stability, 54, 100875.
Nisa, F., & Azzahra, K. (2022). Effect of Bank Indonesia Sharia Certificates, Domestic Interest Rates and Rupiah Exchange Rates on Indonesia Sharia Stock Index (ISSI). CASHFLOW: Current Advanced Research On Sharia Finance And Economic Worldwide, 1(4), 93–114.
Nopirin, M. (2013). Ekonomi Moneter Buku 1 (Edisi Keempat). Yogyakarta: BPFE.
Pratama, B. A. (2010). Analisis Faktor-Faktor Yang Mempengaruhi Kebijakan Penyaluran Kredit Perbankan. Universitas Diponegoro.
Priyastama, R. (2017). Buku sakti kuasai spss, pengolahan data & analisis data. Jakarta:Katalog Perpustakaan Badan PPSDMK Kmenenkes RI.
Sugiyono. (2018). Metode Penelitian Kuantitatif, Kualitatif dan R&D (hal. 336).
Were, M., & Wambua, J. (2014). What factors drive interest rate spread of commercial banks? Empirical evidence from Kenya. Review of development Finance, 4(2), 73–82.
