Influence of inflation, bank interest, promotion, information technology, third party funds and SBI rates on credit

Abstract

This study aims to determine and examine the effect of inflation, bank interest, promotions, information technology, third party funds and SBI rates on credit. This study uses a descriptive and verification approach, by analyzing Time Series data over a period of 20 years. The analysis method in this study uses multiple regression analysis. Based on the results of the study, it is stated that there is a positive and significant effect of the variables of Inflation, Bank Interest, Promotion, Information Technology, Third Party Funds, and SBI rates simultaneously on credit. Where the six independent variables are the dominant variables that form credit together. There are positive and negative and significant effects of each variable Inflation, Bank Interest, Promotion, Information Technology, Third Party Funds, and SBI rates on Credit. The variable that has the biggest influence on credit is the Promotion variable, while the variable with the smallest absolute influence on credit is Bank Interest. All models in this study obtained both positive and negative and significant results.