Analisis Pertumbuhan Industri Perbankan Terhadap Peningkatan Pertumbuhan Ekonomi Sumatera Utara

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UNIVERSITAS SUMATERA UTARA

f'AKULTAS EKONOMI

MEDAN

PENANGGUNG JA WAH SKRIPSI

Nama

NIM

Departemen

Judul Skripsi

: Denny Natanael Galingging

: 020501020

: Ekonomi Pembangunan

: Analisis Pertumbuhan Industri Perbankan Terhadap

Peningkatan Pertumbuhan Ekonomi Sumatera lItara

Tanggal

Pembimbing Skripsi,

..

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MSil

NIP.

130251

879

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ABSTRACT

As a financial institution, bank has important contribution to improve the economic

growth of a nation. To increase the welfare of a nation, bank is a mediator between unit

surplus and unit defisit. Bank collects the fund from the unit surplus in a saving and give it to

the unit defisit in a credit.

Because bank has important contribution to improve the economic growth, goverment

has been making an amount rules to control all of the banks in Indonesia. In the beginning,

goverment was making Pakjun 1983 (Paket Juni) and then Pakto 1988 (Paket Oktober).

Pakto was known as the beginning of liberalitation banking industrial that we could

established bank easier than before the Pakto 1988.

In this paper we want to know how large the banking industrial influence to the

macro economic, include North Sumatera province. In order to solve the problem we lise

simple regression function with ordinary least square technic to find the

regression

coefficient. The

regression

coefficient will show us the influenced of banking industrial in

North Sumatera to the economic growth of North Sumatera. The regression use the quantity

of bank, time deposit, and credit of bank in North Sumatera as the independent variable, and

gross domestic regional product as dependent variable. This research usc time series with

eleven years

from

1994 to 2004.

Based on this research, the banking industrial which is consist of quantity of bank,

time deposit, and credit of bank in North Sumatera has positive

regression

coefficient with

the North Sumarera's gross domestic regional product. But only credit has a significant

influence to the North Sumatera's gross domestic regional product.

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