ANALISIS ELASTISITAS PERMINTAAN TERHADAP KREDIT KONSUMSI DI SUMATERA UTARA
ABSTRACT: This research aims
to analyze the elasticity of demand for consumer loans in North Sumatra. The
variables observed in this study is consumer credit interest rate, Gross
Domestic Product (GDP) per capita and the exchange rate of rupiah against the dollar.
This research uses time series data for
the period 1996-2010,
which is a
secondary data. The
data is sourced
from the central bank
of Indonesia and
North Sumatra Central
Bureau of Statistics,
The model used in
this study is
a model of
multiple regression equations
and analyzed using
Ordinary Least Squares (OLS).
Based on the
estimates, the researh
found that the
Gross Domestic Product (GDP)
per capita and
the rupiah exchange
rate against the
dollar significantly influence
credit demand in North Sumatra but
consumer credit interest ratenot significantly influence. The
elasticity of demand
for consumer credit
in North Sumatra
is inelastic to changes
in consumer credit
interest rate and
the exchange rate
of the rupiah
against the dollar, but it is
elastic to GDP per capita. This means that the demand for consumer loans in North
Sumatra are more sensitive to changes in GDP per capita than the changes in
interest rates and the exchange rate againstthedollar.
Penulis: Paulina Putri A.
Hutagalung, Inggrita Gusti Sari Nasution
Kode Jurnal: jpakuntansidd130180
