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Analysis of the Effect of Macroeconomic Variables on Demand for Investment Credit at Commercial Banks in Indonesia

In: Proceedings of the 10th Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-10 2022)

Author

Listed:
  • Airil Furqan

    (Universitas Negeri Padang)

  • Sri Ulfa Sentosa

    (Universitas Negeri Padang)

Abstract

The purpose of this research is to identify and assess both the long- and short-term effects of macroeconomic factors on the demand for investment loans at Indonesian commercial banks. The Error Correction Model (ECM) was employed to analyze the long-term and short-term relationships between the independent and dependent variables. The data utilized ranges from 2009 to 2019. According to the study’s findings, export factors, credit interest rates, and third-party funds have little effect on investment credit demand in Indonesia in the near run. Meanwhile, inflation and economic growth have a substantial short-term impact on investment credit demand. Variable exports, inflation, economic growth, and third-party funds have no long-term impact; nevertheless, lending rates have a long-term impact on demand for investment credit at Indonesian commercial banks.

Suggested Citation

  • Airil Furqan & Sri Ulfa Sentosa, 2025. "Analysis of the Effect of Macroeconomic Variables on Demand for Investment Credit at Commercial Banks in Indonesia," Advances in Economics, Business and Management Research, in: Firman Firman & Shuhymee Shuhymee & Rangga Handika & Muhammad Rizky Prima Sakti & Astri Yuza Sari & (ed.), Proceedings of the 10th Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-10 2022), pages 277-286, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-839-4_24
    DOI: 10.2991/978-94-6463-839-4_24
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