PENGARUH TINGKAT SUKU BUNGA KREDIT, INFLASI DAN PENDAPATAN PERKAPITA TERHADAP PERMINTAAN KREDIT PADA BANK UMUM SWASTA NASIONAL DEVISA DI INDONESIA

This study aims to examine the impact of mortgage interest rate, inflation, and per capita income on credit demands at Indonesian Foreign-Exchange National Private Banks. This study, moreover, used Multiple Linear Regression analysis with panel data to analyse the impact of mortgage interest rate, inflation, and per capita income on credit demands. The findings indicate that mortgage interest rate, inflation, and per capita income simultaneously have a significant impact on credit demands with the probability value of 0.0000. Meanwhile, independently mortgage interest rate has a negative and significant impact on credit demands with the regression coefficient of -0.135020 and the probability value of 0.0092. Inflation also has a negative and insignificant impact on credit demands with the regression coefficient of -0.017803 and the probability value of 0.4695. Further, per capita income has a positive and significant impact on credit demands with the regression coefficient of 1.681220 and the probability value of 0.0000