{"title":"EXTERNAL AND INTERNAL BANKING FACTORS ON THE INTERMEDIATION FUNCTION OF STATE-OWNED BANKS","authors":"Nurul Jahidah, Mohammad Sofyan, Jaja Suteja","doi":"10.23969/jrbm.v17i2.10615","DOIUrl":null,"url":null,"abstract":"This research aims to analyze external and internal factors on the intermediation function of state-owned banks. The method used is Autoregressive Distributed Lag with time series data for 2008 - 2022 for two research models, namely Third-Party Fund Growth and Credit Growth. The research results show that external and internal factors influence the growth of third-party funds, namely that in the long-term inflation has a significant negative effect, BI rate and Economic Growth have a significant positive effect. In the short term, inflation and economic growth have an insignificant positive effect, BI-rate has an insignificant negative effect. In the model of external and internal factors that influence credit growth, it is known that in the long term, the growth of third-party funds, BI-Rate, and Economic Growth have a significant positive effect, CAR, NPL, and Inflation have a significant negative effect. In the short term, the growth of third-party funds, CAR, NPL, BI-rate, and Economic Growth have an insignificant negative effect, while inflation has a significant positive effect.","PeriodicalId":31928,"journal":{"name":"Jurnal Riset Bisnis dan Manajemen","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2024-08-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Jurnal Riset Bisnis dan Manajemen","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.23969/jrbm.v17i2.10615","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
Abstract
This research aims to analyze external and internal factors on the intermediation function of state-owned banks. The method used is Autoregressive Distributed Lag with time series data for 2008 - 2022 for two research models, namely Third-Party Fund Growth and Credit Growth. The research results show that external and internal factors influence the growth of third-party funds, namely that in the long-term inflation has a significant negative effect, BI rate and Economic Growth have a significant positive effect. In the short term, inflation and economic growth have an insignificant positive effect, BI-rate has an insignificant negative effect. In the model of external and internal factors that influence credit growth, it is known that in the long term, the growth of third-party funds, BI-Rate, and Economic Growth have a significant positive effect, CAR, NPL, and Inflation have a significant negative effect. In the short term, the growth of third-party funds, CAR, NPL, BI-rate, and Economic Growth have an insignificant negative effect, while inflation has a significant positive effect.
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