PERBANDINGAN PENGARUH SUKU BUNGA DAN INFLASI TERHADAP KREDIT DAN PEMBIAYAAN (Studi Kasus pada Bank Umum Konvensional dan Bank Umum Syariah periode 2011-2015)

Hasannudin Nursalim Putra, Irnin Miladyan Aryq, Lilik Jazilatul Mufidah

Abstract


Inflationary pressures that often time there was a can shake economy the state, to face inflationary
pressures one of the efforts of the country to control the inflation is by issuing policy interest rate by the
Indonesia bank as central financial policy monetary and fiscal. The banks have the role of to control the rate
inflation. The interest rate that set by the bank will affect the level distribution credit of bank conventional and
financing of sharia bank. For that researchers want to see the influence of direct and indirect interest rates to
credit and financingand inflation as variable intervening. The kind of research is quantitative with the sample
of six general Sharia Bank and the generalconventional bank in Indonesia period 2011 until 2015 taken with
purposive sampling. Themethod is path analysis. Based onsignificant test, the first significant test has result
that interest rates significant of inflation. Thesecond significant testhas results that the interest rate not
significant on the distribution credit and financing. The third significant test has result that inflation is not
significant to distribution credit and financing. So this is can concluded that inflation will not be variable
intervening for the distribution credit and financing.

Keywords


interest rate; inflation; credit; financing;

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