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/ http://journalarticle.ukm.my/14132/ http://journalarticle.ukm.my/14132/1/jeko_53%282%29-18.pdf

id	ukm-14132
recordtype	eprints
spelling	ukm-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
repository_type	Digital Repository
institution_category	Local University
institution	Universiti Kebangasaan Malaysia
building	UKM Institutional Repository
collection	Online Access
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/ http://journalarticle.ukm.my/14132/ http://journalarticle.ukm.my/14132/1/jeko_53%282%29-18.pdf
first_indexed	2023-09-18T20:06:25Z
last_indexed	2023-09-18T20:06:25Z
_version_	1777407188110671872

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

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