Pengaruh Tingkat Suku Bunga Kredit terhadap Jumlah Pinjaman Kredit pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia

Abstract

Credit for a bank is a bank asset given to the public. The performance of a bank is strongly influenced by the amount of credit channeled in a period. That is, the more credit disbursed, the greater the profit from this field. The increase in interest rates at commercial banks both directly and indirectly will have an impact on customers who will make credit. The purpose of this study is to explain the effect of credit interest rates on the number of credit loans in Banking Companies listed on the Indonesia Stock Exchange. This study uses the method of collecting data through documentary studies, namely the collection of secondary data in the form of the annual Financial Statements of Banking Companies listed on the Indonesia Stock Exchange. The data analysis used in this study is simple linear regression analysis. The results of the study show that the variable interest rates on credit have a significant negative effect on the number of credit loans in banking companies listed on the Indonesia Stock Exchange.