Analisis Faktor-Faktor yang Mempengaruhi Demand dan Supply pada Pinjaman Bank (Bank Credit)

Krisnanda, Wissen (2009) Analisis Faktor-Faktor yang Mempengaruhi Demand dan Supply pada Pinjaman Bank (Bank Credit). Undergraduate thesis, Universitas Internasional Batam.

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Abstract

This study aims to analyze the factors that affect demand and supply of bank loans. The factors tested in this study is sales, internal cash flow, return on assets, asset growth, accounts payable, participation dummy, interest rate for the demand on bank loan and firm age, solvency, firm size, net accounts payable, tangible assets, participation dummy for the supply on bank loans. Statistical method used to test the research hypothesis is multiple regression method. Secondary data obtained from annual financial reports have been published by the companies concerned. The data used are annual data from the period 2004 until 2008. Research sample consisted of 55 non financial companies that have sales data, internal cash flow, return on assets, asset growth, accounts payable, participation dummy, interest rate, firm age, solvency, firm size, net accounts payable, tangible assets and loans banks ends on December 31, positive earnings, respectively for 5 years. The results showed that sales, internal cash flow, return on assets, interest rate and asset growth have an effect significant on the demand of bank loans, while accounts payable and participation dummy has no significant influence on the demand of bank loans and the solvency and firm size has a significant influence on the supply of bank loans, while the firm age, net accounts payable and participation dummy has no significant influence on the supply of bank loans. Keywords: Sales, Internal cash flow, Firm Size, Account payable, Interest rate spread, Tangible asset, Participation dummy, Bank credit.

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