{"id":4354,"date":"2021-06-13T16:29:42","date_gmt":"2021-06-13T08:29:42","guid":{"rendered":"https:\/\/www.ukm.my\/jem\/?post_type=article&#038;p=4354"},"modified":"2021-09-09T12:29:56","modified_gmt":"2021-09-09T04:29:56","slug":"the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands","status":"publish","type":"article","link":"https:\/\/www.ukm.my\/jem\/article\/the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands\/","title":{"rendered":"The Effect of Internal and External Factors on Bank Investment Credit\u2019s Demands"},"content":{"rendered":"<p><span class=\"fontstyle0\">This paper examines the impression of internal and external factors on the demand for credit investment than trading banks in West Sumatra, Indonesia. Data were sourced from the quarterly data of 2000.1 to 2017.4. This study uses the Autoregressive Distributed Lag (<\/span><span class=\"fontstyle0\">ARDL <\/span><span class=\"fontstyle0\">) model through the Bounds testing approach. The change that is used is the demand for investment credit (<\/span><span class=\"fontstyle0\">CI<\/span><span class=\"fontstyle0\">), credit interest rate (<\/span><span class=\"fontstyle0\">SBK<\/span><span class=\"fontstyle0\">), third party funds (<\/span><span class=\"fontstyle0\">DPK<\/span><span class=\"fontstyle0\">), non-performing loans (<\/span><span class=\"fontstyle0\">NPL<\/span><span class=\"fontstyle0\">), exports (<\/span><span class=\"fontstyle0\">EXP<\/span><span class=\"fontstyle0\">), inflation (<\/span><span class=\"fontstyle0\">INF<\/span><span class=\"fontstyle0\">) and economic growth (<\/span><span class=\"fontstyle0\">PDRB<\/span><span class=\"fontstyle0\">). The findings indicate, in the short- show that third-party funds, exports, inflation and non-performing loans will cause the credit investment demand constraint to occur. This paper indicates that in order to increase the stability of the demand for credit investments of commercial banks, the<br \/>\ngovernment should encourage more investment in the farming sector and real estate\/housing, including for small and medium enterprises Micro-Enterprises so that inter-regional trade can systematically stimulate regional economies. Additionally, there should be the investment interest rate and credit checks on the state of the creditors through the supervision of financial services in order to avoid greater credit risk in the future. Bank Indonesia is expected to increase control over inflation mainly related to investment credit demand.<\/span><\/p>\n","protected":false},"template":"","tags":[504,686,689,688,687],"jel-code":[],"article-type":[1329],"class_list":["entry","author-jem","post-4354","article","type-article","status-publish","tag-bank","tag-demand-of-investment-credit","tag-dynamic-ardl-bounds-test","tag-external-factor","tag-internal-factor","article-type-normal-article"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Effect of Internal and External Factors on Bank Investment Credit\u2019s Demands | Jurnal Ekonomi Malaysia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ukm.my\/jem\/article\/the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Effect of Internal and External Factors on Bank Investment Credit\u2019s Demands | Jurnal Ekonomi Malaysia\" \/>\n<meta property=\"og:description\" content=\"This paper examines the impression of internal and external factors on the demand for credit investment than trading banks in West Sumatra, Indonesia. Data were sourced from the quarterly data of 2000.1 to 2017.4. This study uses the Autoregressive Distributed Lag (ARDL ) model through the Bounds testing approach. TheContinue Reading\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ukm.my\/jem\/article\/the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands\/\" \/>\n<meta property=\"og:site_name\" content=\"Jurnal Ekonomi Malaysia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Jurnal-Ekonomi-Malaysia-JEM-104142808087485\" \/>\n<meta property=\"article:modified_time\" content=\"2021-09-09T04:29:56+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@EkonomiJurnal\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/article\\\/the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands\\\/\",\"url\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/article\\\/the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands\\\/\",\"name\":\"The Effect of Internal and External Factors on Bank Investment Credit\u2019s Demands | Jurnal Ekonomi Malaysia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/#website\"},\"datePublished\":\"2021-06-13T08:29:42+00:00\",\"dateModified\":\"2021-09-09T04:29:56+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/article\\\/the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.ukm.my\\\/jem\\\/article\\\/the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/article\\\/the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Articles\",\"item\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/article\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"The Effect of Internal and External Factors on Bank Investment Credit\u2019s Demands\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/#website\",\"url\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/\",\"name\":\"Jurnal Ekonomi Malaysia\",\"description\":\"Universiti Kebangsaan Malaysia\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/#organization\",\"name\":\"Jurnal Ekonomi Malaysia\",\"url\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/wp-content\\\/uploads\\\/2021\\\/05\\\/cropped-browser-icon-letter-1.png\",\"contentUrl\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/wp-content\\\/uploads\\\/2021\\\/05\\\/cropped-browser-icon-letter-1.png\",\"width\":512,\"height\":308,\"caption\":\"Jurnal Ekonomi Malaysia\"},\"image\":{\"@id\":\"https:\\\/\\\/www.ukm.my\\\/jem\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/Jurnal-Ekonomi-Malaysia-JEM-104142808087485\",\"https:\\\/\\\/x.com\\\/EkonomiJurnal\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Effect of Internal and External Factors on Bank Investment Credit\u2019s Demands | Jurnal Ekonomi Malaysia","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.ukm.my\/jem\/article\/the-effect-of-internal-and-external-factors-on-bank-investment-credits-demands\/","og_locale":"en_US","og_type":"article","og_title":"The Effect of Internal and External Factors on Bank Investment Credit\u2019s Demands | Jurnal Ekonomi Malaysia","og_description":"This paper examines the impression of internal and external factors on the demand for credit investment than trading banks in West Sumatra, Indonesia. Data were sourced from the quarterly data of 2000.1 to 2017.4. This study uses the Autoregressive Distributed Lag (ARDL ) model through the Bounds testing approach. 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