Analisis Perbandingan Pengaruh Tingkat Suku Bunga Kredit terhadap Jumlah Kredit dan Pembiayaan pada Bank Konvensional dan Bank Syariah di Indonesia

The tittle of the study investigators that “Comparative Analysis of the influence of the Loan Interest Rate to Total Loans and Financing at the Conventional Banks and Islamic Banking in Indonesia”. The purpose of this study is to analyze how much influence caused loan interest rate to amount loans and financing.This research is explanation type and hypothesis testing using simple linear regression analysis at a significance level α = 5%. Implementation of this simple linear regression using SPSS 16:00 tool for Windows. Samples made the object of this research is the development unit of the monthly loans and financing obtained from the Indonesian Banking Statistics Report compiled and published by Bank Indonesia from 2005-2010The results showed that the variable rate mortgage interest rates have a negative and significant relationship with the number of conventional banks and credit at the variable loan interest rate has a negative and significant relationship with the amount of financing at the Islamic banks.