Factors affecting the credit loans of Bank of Ayudhya Plublic Company Limited
Keywords:
loan volume, loan interest rate, Bank of AyudhyaAbstract
This research aims is to study the factors affecting the loan volume of the Bank of Ayudhya. The researcher conducted an analysis using tools from the multiple regression model. The data used in the study was secondary time series data, collected from the year 2008 to 2022.The data used in the study are 5-year time series secondary data which is collected on a quarterly basis (Totaling 60 data sets). The variables used in the study include the amount of loans of the Bank of Ayudhya (BOR), the minimum loan rate of the Bank of Ayudhya (MLR), the amount of deposits of the Bank of Ayudhya (BDA), the amount of non-performing loans of the Bank of Ayudhya (NPL), inflation (IR), gross domestic product (GDP) and the broad money supply (M2). The study found that the amount of bank deposits (BDA), the minimum loan rate (MLR), gross domestic product (GDP), and broad money supply (M2) have P-values less than 0.05, meaning that the aforementioned variables are significantly related to the dependent variable. Statistically significant at the 95% confidence level, bank deposits (BDA) and gross domestic product (GDP) are positively related to bank loan. But the bank's minimum loan rate (MLR) and the broad money supply (M2) are negatively related to the bank's loan supply. However, the P-values for non-performing loan (NPL) and inflation rate (IR) are greater than 0.05, meaning that the aforementioned variables are not significantly related to the dependent variables at the 95% confidence level. The outcome of this research will serve as a guideline for the bank's executives in the formulation of annual operating plan so that the Bank of Ayudhya can efficiently and effectively increase the amount of loans, which is considered the bank's main income.
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