April 25, 2025

The Effect Of Inflation And BI Rate On Credit Distribution In Jambi Province

Key Points

Credit distribution at Bank Jambi is unaffected by inflation or interest rates, indicating macroeconomic stability may not drive lending decisions.
Results show no significant correlation between inflation, interest rates, and credit distribution over the studied period, confirming previous findings.
Using multiple linear regression, the study analyzed secondary data from 2020 to 2023 to assess economic impacts on lending.
Implications suggest regional development may depend more on local factors than macroeconomic variables, warranting further investigation.

Abstract

Regional Development Banks have an important intermediary function in supporting regional development. Credit distribution to the community will improve community welfare. This study aims to analyze the influence of macroeconomic variables, namely inflation and Bank Indonesia interest rates on the development of credit distribution at the Jambi Regional Development Bank (Bank Jambi). The quantitative descriptive research method is used to answer the problems raised in this study with secondary data for the period 2020 to 2023. The analysis tool in this study is multiple linear regression. The results of the study show that the development of credit distribution at Bank Jambi is not significantly influenced by macroeconomic variables, namely inflation and Bank Indonesia interest rates.

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