PERAN KREDIT MODAL KERJA BANK PERKREDITAN RAKYAT (BPR) DALAM PEREKONOMIAN DI PROVINSI JAWA BARAT

Eka Budiyanti
| Abstract views: 46 | views: 15

Abstract

As one of the banks that distribute loans, the rural bank has a strategic role in the economy. Loans were distributed to the real business sectors and used as venture capital, which will ultimately drive the economy. The contribution of working capital loan for the rural bank in West Java was very small. In fact, the number of rural banks in West Java quite a lot and the performance of the rural bank in West Java in 2016 is also very good. Therefore, it is interesting to know how the role of rural bank working capital loans on the economy in West Java and how big the role is. The method used in this study is Ordinary Least Square (OLS). Variables that used are gross domestic regional product (GDRP), total working capital loan, and consumer price index (CPI). The data used is quarterly data for the period 2009-2016, sourced from Bank Indonesia and Financial Services Authority. The empirical results indicate a significant positive relationship between working capital loan and GDRP in West Java, but the effect is still very small. This shows that the working capital loan channeled by the rural bank have not been used optimally for productive businesses that are able to boost the economy.

Keywords

rural bank; PDRB; working capital loan; ordinary least square; West Java

Full Text:

PDF

References

Buku

Widarjono, A. (2013). Ekonometrika Pengantar dan Aplikasinya. Yogyakarta: UPP STIM YKPN.

Jurnal

Alatan, T. S. D. & Basana, S. R. (2015). Pengaruh Pemberian Kredit terhadap Ekonomi Regional Jawa Timur. FINESTA, 3(1).

Apriana, R. (2016). Analisis Kausalitas antara Penyaluran Kredit dengan Pertumbuhan Ekonomi (Studi Kasus pada BPD Provinsi Nusa Tenggara Barat). Jurnal Ilmiah Jurusan Ilmu Ekonomi, Vo. 4, No. 2, Fakultas Ekonomi dan Bisnis Universitas Brawijaya, Malang.

Crouzille, C. M., NYS, E., & Sauviat, A. (2012). Contribution of Rural Banks to Regional Economic Development: Evidence from the Philippines. Regional Studies, 46(6).

Duican E. R. & Popa, A. (2015). The Implications of Credit Activity on Economic Growth in Romania. Procedia Economics and Finance, 30.

Edi, B. Q. R. & Hadi, S. (2012). Efektivitas Bank Perkreditan Rakyat (BPR) dalam Rangka Membangun Ekonomi Kerakyatan di Daerah Pedesaan. Jurnal Ekonomi Relasi, Vol. 16.

Inggrid. (2006). Sektor Keuangan dan Pertumbuhan Ekonomi di Indonesia: Pendekatan Kausalitas dalam Multivariate Vector Error Correction Model (VECM). Jurnal Manajemen dan Kewirausahaan, 8(1).

Jaya, I. P. P.& Tisnawati, N. M. (2016). Seberapa Besar Kontribusi BPR di Provinsi Bali terhadap Pertumbuhan Ekonomi di Bali. Jurnal Ekonomi Pembangunan Universitas Udayana, 5(10), Oktober.

Jotwani, D. & Singh, S. (2013). Bank Credit and GDP Growth in India: A Study of Causality. Journal of IMS Group, 10(2), July-Dec.

Korkmaz, S. (2015). Impact of Bank Credits on Economic Growth and Inflation. Journal of Applied Finance & Banking, 5(1).

Kornita, S. E.& Mayes, A. (2010). Analisis Peran Perbankan dalam Perekonomian. Jurnal Ekonomi, 18(1), Maret.

Rachman, H. Z. F. dan Sriyanto, A. (2012). Analisis Kontribusi Investasi, Kredit Modal Kerja dan Kredit Konsumsi terhadap Pertumbuhan Ekonomi Jawa Timur. Jurnal Ekonomika dan Manajemen, 1(2), Oktober.

Sumanto, A. (2016). Pengaruh Kredit Investasi dan Kredit Modal Kerja Terhadap Kesejahteraan Masyarakat Kabupaten/Kota di Jawa Timur. Jurnal Ekonomi dan Studi Pembangunan, 8(1), Maret.

Yurina. (2012). Kredit Bank Perkreditan Rakyat dan Pengaruhnya pada Perkembangan Usaha Mikro Kecil dan Menengah di Kota Banda Aceh. Jurnal Ekonomika Indonesia, 1(1), Juni.

Laporan/Dokumen Resmi

Djohanputro, B. & Kountur, R. (2007). Non Performing Loan (NPL) Bank Perkreditan Rakyat (BPR). Laporan Penelitian kerjasama antara GTZ dan Bank Indonesia.

Devi, L. (2016). The Impact of Rural Bank Loans on Regional Economic Growth and Regional Poverty in Indonesia. NZAE Conference Papers, 30 Juni.

Skripsi

Silitonga, G. P. (2011). Pengaruh Penyaluran Kredit dan Konsumsi terhadap Pertumbuhan Ekonomi di Kota Pematangsiantar. Skripsi. Fakultas Ekonomi Universitas Sumatera Utara, Medan.

Syahfitri, I. (2013). Analisis Kredit Perbankan dan Pertumbuhan Ekonomi di Indonesia. Skripsi. Fakultas Ekonomi dan Manajemen IPB, Bogor.

Internet

Sahlan, Peran BPR bagi Usaha Mikro Sangat Diperlukan - Dengan Proses Mudah dan Cepat, (online), (http://www.neraca.co.id/article/20132/peran-bpr-bagi-usaha-mikro-sangat-diperlukan-dengan-proses-mudah-dan-cepat, diakses pada 27 April 2017).

Copyright (c) 2020 Kajian
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Refbacks

  • There are currently no refbacks.