Analisis Pengaruh Suku Bunga, Pendapatan Per Kapita, dan Tenaga Kerja Terhadap Kredit Konsumsi pada Bank Umum Di Sumatera Utara

The purpose of this study was to analyzethe effect of consumer loans at commercial Banks in North Sumatera in the period for 15 years from 1995-2009. The independent variables used in this study is the interest Rate, Per Capita Income, and labor.The method used in the analysis of the influence of consumer loans at commercial banks in North Sumatera is the method of Ordinary Least Square (OLS) using the analysis tools to process data by using Eviews 6.0.Based on the estimation results indicate that the variable Per Capita Income has a positive influence on consumer Loans at Commercial Banks in North Sumatera and statistically significant at α =1%. While the variable interest Rate and Employment of each statistically significant at α =5%.Based on the identification is obtained that the value of R square of 0.9670 . This means that 96.70% consumer Loans dependent variable can be explained jointly by the independent variables are: Interest rate, Per Capita Income, and Labor. While the rest of 3.30% more influced by variables that are not included in the model estimation.