PENGARUH PENDAPATAN MASYARAKAT, PENETRASI GEOGRAFIS PERBANKAN, PENETRASI DEMOGRAFIS PERBANKAN, PENGGUNAAN REKENING KREDIT DAN PENGGUNAAN REKENING DPK BANK UMUM TERHADAP KREDIT UMKM DI INDONESIA PERIODE TAHUN 2013-2017

Abstract

This study was conducted to examine the impact of Public Income, Geographic Branch
Penetration (GBP), Demographic Branch Penetration (DBP), Credit Account per Capita
(CAC), and Deposit Account per Capita (DAC) of commercial banks on Credit of Micro
Small Medium Enterprise.
The sample used in this study are 33 Provinces in Indonesia in the period 2013-2017 using
purposive sampling technique. The data examined uses the method of non-participant
observation by directly quoting financial, GRDP, banking, geographical, and demographic
data. The analysis used in this research is multiple linear regression consisting of the
classic assumption test, F test, t test, and hypothesis testing.
The results of this study indicate that Income, Credit Account per Capita, and Deposit
Account per Capita have a positive and significant effect on MSME credit, while
Geographical Banking penetration has a positive but not significant effect on MSME
credit, and Banking Demographic Penetration has a significant negative effect on MSME
credit