ANALISIS PENGARUH INFLASI DAN SUKU BUNGA TERHADAP ALOKASI KREDIT MELALUI BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA
DOI:
https://doi.org/10.25170/jrema.v2i2.5143Keywords:
Bank, Alokasi kredit, Inflasi, Suku bungaAbstract
Penelitian ini bertujuan untuk menyelidiki pengaruh dari variabel makro ekonomi yakni Inflasi dan Suku bunga terhadap Alokasi kredit pada bank umum di Indonesia. Sampel penelitian menggunakan tehnik purposive sampling atas bank umum yang telah terdaftar di Bursa Efek Indonesia dengan periode pengamatan tahun 2018 sampai dengan 2022. Penelitian ini membuktikan bahwa secara parsial variabel Inflasi tidak memiliki pengaruh terhadap Alokasi kredit pada bank umum dan secara parsial variabel Suku bunga terbukti memiliki pengaruh signifikan terhadap Alokasi kredit pada bank umum yang memiliki hubungan yang positif, sedangkan secara simultan variabel Inflasi dan Suku bunga memiliki pengaruh signifikan terhadap Alokasi kredit pada bank umum. Pandemi Covid-19 yang terjadi pada tahun 2020 dan 2021 memberikan dampak negatif secara makro ekonomi dan sektor usaha termasuk perbankan di Indonesia, tahun 2022 ekonomi Indonesia mengalami pemulihan namun kondisi ekonomi global belum sepenuhnya membaik pasca pandemi Covid-19 karena tingginya inflasi di beberapa negara di dunia termasuk Amerika Serikat sehingga berdampak pula pada pemulihan kinerja sektor usaha dengan indikasi belum terjadi peningkatan signfikan alokasi kredit bank
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