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Tingkat Suku Bunga Pembiayaan Usaha Mikro Dan Ukm Terhadap Tingkat Pertumbuhan Perekonomian Indonesia
(1) Fakultas Ekonomi Dan Bisnis Universitas Sebelas Maret
(2) Fakultas Ekonomi Dan Bisnis Universitas Sebelas Maret
(3) Fakultas Ekonomi Dan Bisnis Universitas Sebelas Maret
(*) Corresponding Author
Abstract
Pertumbuhan ekonomi merupakan perkembangan kegiatan dalam perekonomian yang menyebabkan barang dan jasa yang diproduksi dalam masyarakat bertambah dan mengakibatkan terjadinya peningkatan kemakmuran masyarakat. Tingkat bunga menentukan investasi yang akan memberi keuntungan kepada para pengusaha. Semakin rendah tingkat bunga semakin banyak investasi yang dilakukan para pengusaha. Jenis penelitian ini adalah penelitian kausalitas yaitu penelitian yang ingin mencari penjelasan dalam bentuk hubungan sebab akibat (cause-effect) antar beberapa konsep atau beberapa variable independent yakni meliputi Suku Bunga Pembiayaan Usaha Mikro Dan UKM dan Produktivitas Usaha dan Tenaga Kerja, serta variable dependent yaitu Pertumbuhan Ekonomi. Dalam penelitian ini analisis data menggunakan pendekatan Regresi Data Panel menggunakan Software Eviews. Tujuan penggunaan sofware Evies adalah membantu peneliti untuk tujuan prediksi. Hasil penelitian menunjukkan bahwa Suku Bunga Pembiayaan Usaha Mikro Dan UKM berpengaruh signifikan terhadap terhadap Tingkat Pertumbuhan Ekonomi dengan nilai t-statistic sebesar 0,027612 (< 0,05) sedangkan Produktivitas Usaha dan Tenaga Kerja juga berpengaruh signifikan terhadap Tingkat Pertumbuhan Ekonomi dengan nilai t-statistic sebesar 0,011741 (< 0,05).
Kata kunci : Suku Bunga, Produktivitas Usaha, Pertumbuhan Ekonomi
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DOI: https://doi.org/10.36587/probank.v3i2.383
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