| dc.contributor.advisor | DIMAS BAGUS WIRANATAKUSUMA | |
| dc.contributor.author | IRAKAWATI, IRAKAWATI | |
| dc.date.accessioned | 2017-05-09T00:53:42Z | |
| dc.date.available | 2017-05-09T00:53:42Z | |
| dc.date.issued | 2017-03-30 | |
| dc.identifier.uri | http://repository.umy.ac.id/handle/123456789/10358 | |
| dc.description | Krisis keuangan global yang menjadi problematika negara-negara di dunia
ini, menyebabkan ketidakstabilan ekonomi dan keuangan. Banyak negara terkena
dampak dari krisis keuangan global. Indonesia mengalami krisis keuangan global
pada saat itu dan Bank Indonesia (BI) dengan baik merespon dengan menerapkan
kebijakan makroprudensial agar dapat memitigasi risiko kredit, modal, dan
governance. Penelitian ini fokus pada instrumen kebijakan makroprudensial yang
mengatur risiko kredit pemilikan rumah (KPR) yaitu Loan to Value (LTV) dan
Financing to Value(FTV).
Dalam penelitian ini juga menggunakan indikator makroekonomi seperti,
suku bunga kredit, bagi hasil dan IPI. Penelitian ini bertujuan untuk menganalisis
pengaruh Loan to Value danFinancing to Valueterhadap permintaan KPR di
Indonesia. Subjek dalam penelitian adalah bank umum konvensional dan bank
Syariah di Indonesia. Metode yang digunakana yaitu regresi berganda.
Hasil penelitian menunjukan bahwa Loan to Value danFinancing to Value
berpengaruh positif terhadap permintaan KPR di Indonesia. Terbukti dengan
penurunan NPL dan NPF masing-masing sebesar 2,4% dan 3,11% kemudian
permintaan KPR mencapai 0,12% (qtq) dan juga mampu mendorong pertumbuhan
ekonomi disektor riil. Variabel IPI berpengaruh positif dan signifikan terhadap
permintaan penyaluran KPR. Variabel suku bunga kredit berpengaruh negatif dan
signifikan terhadap permintaan kredit pemilikan rumah di Indonesia. Variabel
bagi hasil tidak berpengaruh terhadap permintaan kredit pemilikan rumah di
Indonesia. Penelitian ini menyimpulkan bahwa dalam penerapan kebijakan Loan
to Value danFinancing to Value terhadap permintaan kredit pemilikan rumah
bepengaruh positif baik pada bank konvensional maupun pada bank Syariah di
Indonesia | en_US |
| dc.description.abstract | The global financial crisis which became a problem in the countries of the
world, causing financial and economic instability.Many of the countries affected
by the global financial crisis. Indonesia is experiencing the global financial crisis
at the time and the Bank Indonesia (BI) and either respond by implementing a
policy of macro prudential in order to mitigate credit risk, capital, and
governance. This research focus on policy instruments governing the risk macro
prudential home financing growth(KPR)Loan to Value (LTV) and Financing to
Value (FTV).
In this study also used macroeconomic indicators such as real interest rates,
for the results and IPI. This research aims to analyze the effect of Loan to Value
and Financing to Valuehome financing growthdemand in Indonesia. Subjects in
his study are public banks conventional and Islamic banks bank in Indonesia. The
method used is multiple regression.
The research results show that Loan to Value and Financing to Value positive
effecon demandhome financing growth in Indonesia. As evidenced by the decline
in the NPL and NPF respectively amounted to 2.4% and 3.11% then home
financing growth reaches 0.12% (qtq) and also able to encourage economic
growth in the real sector. IPI varible has positive and significant effect on the
toward home financing demand. Variable ineterst rates negative and significant
effect againts the demand for home loans in Indonesia. Variable profit sharingno
effest against the demand for home loans in Indonesia.The study concluded that in
implementing policies Loan to Value and Financing to Value to demand home
financing growth positive effect both on conventional banks and Islamic banks in
Indonesia. | en_US |
| dc.publisher | FE UMY | en_US |
| dc.subject | Loan to Value, Finance to Value, TheMacro Indicators, Home Financing Growth, Indonesia. Loan to Value, Financing to Value, Indikator Makro, KPR,Indonesia | en_US |
| dc.title | ANALISIS PENGARUH LOAN TO VALUE DAN FINANCING TO VALUE TERHADAP PERMINTAAN KREDIT PEMILIKAN RUMAH DI INDONESIA | en_US |
| dc.type | Thesis
SKR
F E
283 | en_US |
