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      "subjects": [
        "300.330.330A"
      ],
      "keywords": "Kredit Investasi Hijau, NPL, LDR, DPK, Inflasi, ECM, Green Investment Credit (GIC), Non-Performing Loans (NPL), Loan to\r\nDeposit Ratio (LDR), Third-Party Funds (TPF), Inflation, Error Correction Model\r\n(ECM).",
      "date": "2026-05-21",
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      "corp_creators": [
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        {
          "name": {
            "honourific": null,
            "given": "Fitri Juniwati",
            "lineage": null,
            "family": "Ayuningtyas"
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      "abstract": "Perkembangan keuangan berkelanjutan di Indonesia mendorong\r\npeningkatan penyaluran Kredit Investasi Hijau (KIH), namun dalam praktiknya\r\nmasih menghadapi berbagai tantangan. Faktor internal perbankan seperti NonPerforming\r\n\r\nLoan (NPL), Loan to Deposit Ratio (LDR), dan Dana Pihak Ketiga\r\n(DPK), serta faktor makroekonomi seperti inflasi diduga memengaruhi fluktuasi\r\npenyaluran KIH. Kondisi ini menunjukkan bahwa belum optimalnya penyaluran\r\nkredit hijau dapat berdampak pada lambatnya transisi menuju pembiayaan\r\nberkelanjutan di Indonesia.\r\nPenelitian ini menggunakan pendekatan kuantitatif dengan data sekunder\r\nberbentuk time series kuartalan periode 2015–2024. Metode analisis yang\r\ndigunakan adalah Error Correction Model (ECM) yang mencakup uji stasioneritas,\r\nuji kointegrasi, estimasi jangka pendek dan jangka panjang, serta uji asumsi klasik.\r\nData penelitian diperoleh dari Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI),\r\ndan Badan Pusat Statistik (BPS), dengan pengolahan data menggunakan EViews\r\n12.\r\nHasil penelitian menunjukkan bahwa dalam jangka panjang NPL, LDR, dan\r\nDPK berpengaruh signifikan terhadap KIH, sedangkan inflasi tidak signifikan.\r\nDalam jangka pendek, LDR dan DPK berpengaruh signifikan, sedangkan NPL dan\r\ninflasi tidak signifikan. Secara simultan, seluruh variabel berpengaruh signifikan\r\nterhadap KIH. Model ECM juga menunjukkan adanya mekanisme penyesuaian\r\nmenuju keseimbangan jangka panjang. Hasil penelitian ini dapat dimanfaatkan oleh\r\nOJK, Bank Indonesia, dan perbankan nasional dalam meningkatkan efektivitas\r\nkebijakan pembiayaan hijau di Indonesia.",
      "full_text_status": "restricted",
      "institution": "Universitas AMIKOM Yogyakarta"
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