STIE Perbanas Surabaya
Jl. Nginden Semolo No.36 Surabaya
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The purpose of the research was to provide empirical evidence on the variables that affected loan growth. The variables used to assess fund resources and allocation were deposit growth, borrowing growth, equity growth, excess liquidity (secondary reserve) growth; and the variables used to assess macro economics were BI rate, inflation and exchange rate. The research population was all banks which operated in Indonesia and divided into two groups: national bank and foreign bank; and the secondary data was the publication of bank financial statements of four time perception which were during December 2004-December 2008. Multiple regression was used for instrument analysis. The result of the research showed that two variables funds resources represented significant determination of loan growth on the national bank, and three variables fund resources represented significant determination of loan growth on foreign bank. All variables macro-economic represented significant determination of loan growth on national bank, but not significant on foreign bank. The result of the Chow test showed that the regression model for two group banks that operated in Indonesia was different.