PENGARUH KEBIJAKAN LOAN TO VALUE (LTV)/FINANCING TO VALUE (FTV) DAN INFLASI TERHADAP TOTAL KREDIT DAN PEMBIAYAAN UMKM DI INDONESIA PADA TAHUN 2010-2023

Triya Novita Sari, NIM.: 19108010057 (2023) PENGARUH KEBIJAKAN LOAN TO VALUE (LTV)/FINANCING TO VALUE (FTV) DAN INFLASI TERHADAP TOTAL KREDIT DAN PEMBIAYAAN UMKM DI INDONESIA PADA TAHUN 2010-2023. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

In the business world, instability and financial risks are unavoidable factors, affecting both large-scale enterprises and SMEs (Small and Medium Enterprises). The purpose of this research is to investigate the influence of the Loan To Value (LTV) policy and inflation on the growth of SME credit in Indonesia from 2010 to 2023. This study employs a quantitative research approach, and the data used is secondary data. The research method utilized is the Vector Error Correction Model (VECM) analysis, using monthly time series data from January 2010 to March 2023. The research findings indicate that Loan To Value or Financing To Value (LTV/FTV) policies have a positive effect on the amount of MSME credit and financing in Indonesia in 2010-2023. Inflation and the BI Rate have no effect or have negative and insignificant results on the Total Credit and Financing of MSMEs in Indonesia in the 2010-2023 year. Non-Performing Loans (NPL) have a negative influence on the Amount of MSME Credit and Financing in Indonesia in 2010-2023.

Item Type: Thesis (Skripsi)
Additional Information: Pembimbing: Dr. Miftakhul Choiri, S.Sos.I., M.S.I.
Uncontrolled Keywords: Kebijakan Makroprudensial, Loan To Value (LTV), Financing To Value (FTV), Inflasi, BI Rate, Non Performing Loan (NPL), Non Performing Financing (NPF), Kredit Dan Pembiayaan, UMKM, VECM.
Subjects: Ekonomi Masyarakat
Divisions: Fakultas Ekonomi dan Bisnis Islam > Ekonomi Syariah (S1)
Depositing User: Muh Khabib, SIP.
Date Deposited: 25 Sep 2023 08:44
Last Modified: 25 Sep 2023 08:44
URI: http://digilib.uin-suka.ac.id/id/eprint/60543

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