ANALISIS PENGARUH SIMPANAN MASYARAKAT, PINJAMAN, DAN KURS MATA UANG ASING TERHADAP BESARAN KREDIT UMKM DI INDONESIA

Abstract

     The purpose of this study is to determine the effect of the development of public savings, loans form of rupiah and foreign exchange, foreign exchange rates, and credit of UMKMs in commercial banks in Indonesia which are listed in financial statistics Indonesia. This study uses quantitative data analysis, multiple linear regression, and determination using secondary data. On the partial result using the t-test of the Public Savings Influence on the MSME Loan Credits. Stating that every 1 billion increase of public savings will be followed by a rise in UMKM credit level of Rp 0.86 mylar. The lending of rupiah and foreign currency has a negative effect on UMKM Loan amount. The increase in rupiah and foreign currency loan of 1 billion will be followed by UMKM credit decline of Rp 0.77 billion. Foreign Exchange Rate has a positive effect on the UMKM Credit Scale. Each increase of the Foreign Exchange Rate by 1 rupiah will be followed by a UMKM credit increase of 10.8 rupiahs.