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Institusi Ekonomi dan Penyaluran Kredit: Pengaruh Suku Bunga, Pajak, dan Investasi di ASEAN-5

Silvi Asna Prestianawati Universitas Brawijaya Yuyun Fahira Aprilia Universitas Brawijaya Amran Rasli INTI International University Ibemcha Chanu Bodoland University Muhammad Fawwaz University of Malaya DOI: https://doi.org/10.37034/infeb.v7i2.1113 Keywords: Interest Rate, Profit Tax, Investment, ASEAN, Credit Abstract This research analyzes the role of economic institutions—reflected through interest rates, tax policies, and investment climate—in influencing domestic credit distribution in ASEAN-5 countries. Employing a descriptive quantitative approach, the study uses secondary data from the World Bank covering the period 2013–2022, focusing on Indonesia, Singapore, Malaysia, the Philippines, and Thailand. Panel data regression is used to estimate the effects of institutional variables. The findings reveal that interest rates and the number of new business registrations—an indicator of investment climate—positively and significantly impact domestic credit distribution. 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Jurnal Informatika Ekonomi Bisnis, 7(2), 148-154. https://doi.org/10.37034/infeb.v7i2.1113 ACM ACS APA ABNT Chicago Harvard IEEE MLA Turabian Vancouver Download Citation Endnote/Zotero/Mendeley (RIS) BibTeX This work is licensed under a Creative Commons Attribution 4.0 International License.

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