PENGARUH SUKU BUNGA, PPRODUK DOMESTIK REGIONAL BRUTO (PDRB) DAN INFLASI TERHADAP KREDIT MACET SEKTOR USAHA MIKRO KECIL MENENGAH DI PROVINSI RIAU (PERIODE 2016 – 2020)

Abstract

This research was conducted on non-performing loans in the micro, small and medium business sector in Riau Province. The purpose of this study was to determine how the influence of BI interest rates, GRDP and inflation on nonperforming loan in the micro, small and medium business sector in Riau Province.This study uses secondary data that is in the year 2016 – 2020 sources from Bank Indonesia and Central of Bureau of Statistic. The method of analysis used is quantitative descriptive method, with multipler linear regression analysis with calculation tool SPSS application program (Statistical package social science) version 21,0.The results showed that the simultaneous test (F test) of the BI interest rate (X1), GRDP (X2) and inflation (X3) variables together had a significant effect on non-performing loan in the micro, small and medium-sized business sector in Riau Province in 2016 - 2020. The results of the partial study (t-test) show that the interest rate variable (X1) does not have a significant effect on non-performing loan in the micro, small and medium-sized business sector in Riau Province in 2016 - 2020. While the GRDP variable (X2) has a significant influence with a negative relationship direction. to non-performing loan in the micro, small and medium business sector in Riau Province in 2016 - 2020 and the inflation variable has a significant influence with a positive direction on nonperforming loan in the micro, small and medium business sector in Riau Province in 2016 - 2020. of regression analysis yield coefficient of determination ( ) by the three of variables in model on the dependent variable equal to 86%, while the remaining 14% is explained by other factors not discussed in this study.

Keywords: BI Rate, GRDP, Non Performing Loan.