Perilaku Kredit Perbankan Dalam Gelombang Siklus Keuangan Selama Pandemi Covid-19 Di Indonesia

  • Hasdiana S Universitas Muslim Maros
  • Carl M. Campbell III Northern Illinois University
  • Erlin Basmar STIE Ottow & Geissler Serui
Keywords: Kredit perbankan, pandemi covid 19, siklus keuangan, krisis keuangan, perilaku keuangan


Perilaku perkreditan bank cenderung berubah dikarenakan tekanan ekonomi yang berdampak pada gelombang siklus keuangan yang tidak stabil. Penelitian ini bertujuan untuk mengidentifikasi aktivitas kredit perbankan melalui pengembangan model pengukuran Ed Waves Index, dengan menggunakan data sekunder dari laporan keuangan Bank Indonesia tahun 1950 hingga 2020 (triwulan). Hasil penelitian menunjukkan bahwa selama Pandemi Covid-19, perilaku kredit perbankan lebih agresif, dengan durasi pendek dengan tekanan mencapai -2,96 amplitudo. Perilaku ini berhubungan positif dengan siklus keuangan, yang searah di area negatif selama pertumbuhan ekonomi Indonesia


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How to Cite
Basmar, E., S, H., Campbell III, C. M., & Basmar, E. (2022). Perilaku Kredit Perbankan Dalam Gelombang Siklus Keuangan Selama Pandemi Covid-19 Di Indonesia. POINT: Jurnal Ekonomi Dan Manajemen, 4(1), 67-80.