Analisis Pengaruh Penyaluran Kredit Dan Konsumsi Terhadap Peningkatan Pertumbuhan Ekonomi Di Kota Binjai

The degree of wealth in a community reflects from the level and pattern of its consumption. Besides that the development of distributing credit by an institution of finance it also effect to the wealthy and economic growth in an area. Therefore this research intends to analyze the effect of distributing credit and consumption to increasing of economic growth in the city of Binjai.This research tries to analyze the effect of distributing credit and consumption to increasing of economic growth city of Binjai by using Ordinary Least Square Method (OLS). This research intends to see how the effect of credit to the economic growth and how the effect of consumption to the economic growt using data of time series from the year of 1987-2007. This research uses E-Views 4.1 computer program. The data which is used in this research is the data of secundary and model analyze data in multiple regression.This research shows that coefficient determination is equal 0.98 that means independent variabel can give explained to the dependent variabel equal to 98%, while the rest 2% explained by another variabel which is not included in the estimation model. F-statistic is higher than F-table (8.402848 > 6.01) which means that credit and consumption togetherness effects significant to the increasing economic growth the city of Binjai in the level of trust 99%. For the t-count credit variable is higher than t-table (9.183482 > 2.878) which means that the credit effect significant to the increasing of economic growth in the level of trust 99%. For the t-count consumption variable is higher than t-table (5.720076 > 2.870) which means that the consumption effect significant to increasing of economic growth the city of Binjai to the level of trust 99%.