The Influence of Credit Interest Rates and Third Party Funds on Credit Distribution at PT B PR BKK Banjarharjo, Brebes Regency

Muhammad Fahmi Hidayat ; Nasiruddin Nasiruddin ; Dumadi Dumadi ; Anisa Sains Kharisma ; Roni Roni
International Journal of Economics, Management and... 📅 2025 Vol 3, No 1 🔗 DOI: 10.61132/ijema.v3i1.970
Abstract
This study examines the influence of credit interest rates and third-party funds on the credit distribution of PT BPR BKK Banjarharjo, Brebes Regency, using a quantitative approach based on secondary data from monthly financial reports between 2020 and 2024, amounting to 60 observations. The results show that, partially, credit interest rates exert a negative and significant effect on credit distribution, while third-party funds demonstrate a positive and significant impact. Simultaneous testing further confirms that both variables collectively have a significant influence on credit distribution. These findings emphasize the importance of banking institutions in carrying out their intermediation function effectively, where the ability to maintain competitive credit interest rates and strengthen public fund mobilization becomes a strategic necessity to improve credit growth and financial stability. Moreover, the study highlights the role of micro-banking as a foundation for regional economic development, particularly in rural areas where local banks serve as drivers of community empowerment and sustainable economic activity. By reinforcing prudent management of interest rates and optimizing fund collection, banks can ensure not only improved financial performance but also the expansion of credit access for micro, small, and medium enterprises. The outcomes of this research are expected to provide practical contributions to policymakers in the banking sector, enrich scientific literature in financial management, and serve as a relevant reference for subsequent studies focusing on credit distribution, financial intermediation, and the development of microfinance institutions.
Keywords
Credit Distribution; Credit interest rate; Financial intermediation; Micro-banking; Third-party funds
How to Cite

Muhammad Fahmi Hidayat, et al. (2025). The Influence of Credit Interest Rates and Third Party Funds on Credit Distribution at PT B PR BKK Banjarharjo, Brebes Regency. International Journal of Economics, Management and Accounting, 3(1). https://doi.org/10.61132/ijema.v3i1.970

Muhammad Fahmi Hidayat; Nasiruddin Nasiruddin; Dumadi Dumadi; Anisa Sains Kharisma; Roni Roni, "The Influence of Credit Interest Rates and Third Party Funds on Credit Distribution at PT B PR BKK Banjarharjo, Brebes Regency," International Journal of Economics, Management and Accounting, vol. 3, no. 1, 2025.

Muhammad Fahmi Hidayat; Nasiruddin Nasiruddin; Dumadi Dumadi; Anisa Sains Kharisma; Roni Roni. "The Influence of Credit Interest Rates and Third Party Funds on Credit Distribution at PT B PR BKK Banjarharjo, Brebes Regency." International Journal of Economics, Management and Accounting, vol. 3, no. 1, 2025.

Muhammad Fahmi Hidayat; Nasiruddin Nasiruddin; Dumadi Dumadi; Anisa Sains Kharisma; Roni Roni. "The Influence of Credit Interest Rates and Third Party Funds on Credit Distribution at PT B PR BKK Banjarharjo, Brebes Regency." International Journal of Economics, Management and Accounting 3, no. 1 (2025).

Muhammad Fahmi Hidayat, et al. (2025) 'The Influence of Credit Interest Rates and Third Party Funds on Credit Distribution at PT B PR BKK Banjarharjo, Brebes Regency', International Journal of Economics, Management and Accounting, 3(1). doi: 10.61132/ijema.v3i1.970.

Muhammad Fahmi Hidayat; Nasiruddin Nasiruddin; Dumadi Dumadi; Anisa Sains Kharisma; Roni Roni. The Influence of Credit Interest Rates and Third Party Funds on Credit Distribution at PT B PR BKK Banjarharjo, Brebes Regency. International Journal of Economics, Management and Accounting. 2025;3(1).

Artikel Terkait

The Effect of Corporate Social Responsibility (CSR) Disclosure and Political Connection on Corporate Tax Avoidance: A Study from Indonesia’s Mining Sector Listed Companies

Kinanti Ranum Falina; Retno Yuni Nur Susilowati

Do Ethical Standards Matter? Evidence on Auditor Behavior and Audit Quality

Yohanes Sri Guntur; Maria Goretti Kentris Indarti; Pancawati Hardiningsih; Jacobus Widiatmoko

The Impact of Electronic Word-of-Mouth (eWOM) on Consumer Purchase Intention: The Mediating Role of Trust

Chengxuan Wang; Yaqi Zhang

Beyond Intention: How Social-Media Driven Green Marketing Shapes Sustainable Consumer Behavior-A Systematic Literature Review

Febri Sari Siahaan; Ety Nurhayaty; Rury Mulina; Mohamad Rizan

Patient Engagement and Self-Efficacy Effects on Quality of Life,the Mediating Role of Accessibility

Aulia Putri Evindra; Kemala Rita; Sandra Dewi

Enhancing Organizational Performance Through Strategic Human Resource Management in Public Sector Organizations

A.M Fadli Mappisabbi; Mursalin Mursalin; Nurasia Natsir
Tren Sitasi Jurnal