DAMPAK KEBIJAKAN LOAN TO VALUE (LTV) DAN VARIABEL MAKROEKONOMI TERHADAP PERMINTAAN KREDIT PEMILIKAN RUMAH DI INDONESIA

SUTE, GUSTI NGURAH and Suhel, Suhel and Igamo, Alghifari Mahdi (2023) DAMPAK KEBIJAKAN LOAN TO VALUE (LTV) DAN VARIABEL MAKROEKONOMI TERHADAP PERMINTAAN KREDIT PEMILIKAN RUMAH DI INDONESIA. Undergraduate thesis, Sriwijaya University.

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Abstract

This study analyzes the impact of Loan to Value (LTV) policy along with macroeconomic variables such as Inflation, GDP, and Consumer Loan Interest Rates on the demand for Housing Loans (KPR) in Indonesia, using the Vector Error Correction Model (VECM) method and monthly time series data from 2012 to 2021. The results of the study show that all variables, including Inflation, GDP, Interest Rates, and LTV, have a significant long-term influence on KPR demand. Inflation and Interest Rates have a positive relationship, while GDP and LTV are negatively related to KPR. However, in the short term, only the GDP variable does not have a significant impact on KPR. Inflation and Interest Rates have a significant and positive impact on KPR, while LTV has a significant and negative impact.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	Loan to Value, Inflasi, PDB, Suku Bunga, KPR
Subjects:	H Social Sciences > HG Finance > HG3691-3769 Credit. Debt. Loans Including credit institutions, credit instruments, consumer credit, bank- ruptcy
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	Gusti Ngurah Sute
Date Deposited:	20 Jun 2023 05:55
Last Modified:	20 Jun 2023 05:55
URI:	http://repository.unsri.ac.id/id/eprint/112290

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