<mets:mets OBJID="eprint_32687" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-09-14T19:46:07Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>EPrints Universitas Amikom Yogyakarta</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_32687_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>DETERMINAN KREDIT INVESTASI HIJAU PADA BANK &#13;
UMUM KONVENSIONAL INDONESIA</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">Alya Putri</mods:namePart><mods:namePart type="family">Ramadhini</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>Perkembangan keuangan berkelanjutan di Indonesia mendorong&#13;
peningkatan penyaluran Kredit Investasi Hijau (KIH), namun dalam praktiknya&#13;
masih menghadapi berbagai tantangan. Faktor internal perbankan seperti NonPerforming&#13;
&#13;
Loan (NPL), Loan to Deposit Ratio (LDR), dan Dana Pihak Ketiga&#13;
(DPK), serta faktor makroekonomi seperti inflasi diduga memengaruhi fluktuasi&#13;
penyaluran KIH. Kondisi ini menunjukkan bahwa belum optimalnya penyaluran&#13;
kredit hijau dapat berdampak pada lambatnya transisi menuju pembiayaan&#13;
berkelanjutan di Indonesia.&#13;
Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder&#13;
berbentuk time series kuartalan periode 2015–2024. Metode analisis yang&#13;
digunakan adalah Error Correction Model (ECM) yang mencakup uji stasioneritas,&#13;
uji kointegrasi, estimasi jangka pendek dan jangka panjang, serta uji asumsi klasik.&#13;
Data penelitian diperoleh dari Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI),&#13;
dan Badan Pusat Statistik (BPS), dengan pengolahan data menggunakan EViews&#13;
12.&#13;
Hasil penelitian menunjukkan bahwa dalam jangka panjang NPL, LDR, dan&#13;
DPK berpengaruh signifikan terhadap KIH, sedangkan inflasi tidak signifikan.&#13;
Dalam jangka pendek, LDR dan DPK berpengaruh signifikan, sedangkan NPL dan&#13;
inflasi tidak signifikan. Secara simultan, seluruh variabel berpengaruh signifikan&#13;
terhadap KIH. Model ECM juga menunjukkan adanya mekanisme penyesuaian&#13;
menuju keseimbangan jangka panjang. Hasil penelitian ini dapat dimanfaatkan oleh&#13;
OJK, Bank Indonesia, dan perbankan nasional dalam meningkatkan efektivitas&#13;
kebijakan pembiayaan hijau di Indonesia.</mods:abstract><mods:classification authority="lcc">330 Ekonomi</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8061">2026-05-21</mods:dateIssued></mods:originInfo><mods:originInfo><mods:publisher>Universitas AMIKOM Yogyakarta;Fakultas Ekonomi &amp; Sosial</mods:publisher></mods:originInfo><mods:genre>Thesis</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_32687"><mets:rightsMD ID="rights_eprint_32687_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
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