2015-2022 年间中小企业融资和不良融资对印尼经济增长的影响

Fadly Yashari Soumena, Umaima Umaima, Nurwahida Nurwahida, Dwi Resky Yulianti Syam
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摘要

本研究旨在分析 2015-2022 年间中小微企业资金支付和不良融资(NPF)对印尼经济增长的影响。本研究采用描述性定量研究方法。所使用的数据来自二级数据来源,如金融服务管理局(OJK)和中央统计局的财务报表。结果表明,微小中型企业资金的分配对印尼的经济增长产生了部分积极而显著的影响。这表明,通过资金分配为中小微企业提供的金融支持在促进经济增长方面做出了重要贡献。然而,部分不良融资(NPF)对经济增长的负面影响并不明显。尽管不良融资问题可能会影响金融部门,但本研究结果显示,其对整体经济增长的影响并不显著。同时,微小中型企业付款和 NPF 对印尼经济增长具有积极而显著的影响。这一结果证实了良好的中小微企业支付管理和净增长基金控制对支持可持续经济增长的重要性。这项研究的意义在于,向中小微企业合理分配资金可以提高企业效率,促进企业发展。此外,有效处理净增长基金问题可以最大限度地减少其对经济增长的负面影响。因此,支持中小微企业资金合理分配和有效控制净增长基金的政策有助于印尼实现更强劲、更可持续的经济增长。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Influence of SME Funding and Non-Performing Financing on Indonesia's Economic Growth in The Period 2015-2022
This research aims to analyze the effect of MSME fund disbursement and non-performing financing (NPF) on Indonesia's economic growth in the 2015-2022 period. The research method used is quantitative with a descriptive approach. The data used comes from secondary data sources, such as the financial statements of the Financial Services Authority (OJK) and the Central Bureau of Statistics. The results showed that partially, the distribution of MSME funds had a positive and significant effect on Indonesia's economic growth. This shows that financial support provided to MSMEs through the distribution of funds makes an important contribution in encouraging better economic growth. However, partially, non-performing financing (NPF) has an insignificant negative effect on economic growth. Although the NPF problem may affect the financial sector, the results of this research show that its impact on overall economic growth is not significant. Simultaneously, MSME disbursement and NPF have a positive and significant influence on Indonesia's economic growth. This result confirms the importance of good management of MSME disbursement and NPF control in supporting sustainable economic growth. The implication of this research is that proper allocation of funds to MSMEs can improve business efficiency and development. In addition, effective handling of the NPF problem can minimize its negative impact on economic growth. Thus, policies that support good disbursement of MSME funds and effective NPF control can contribute to stronger and more sustainable economic growth in Indonesia.
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