Konvergensi Beta Pada Rasio Kredit Perbankan Terhadap PDRB: Pendekatan Data Panel

This research is intended to determine the convergence of the banking credit ratio to the economic sector, namely GRDP ADHB (current price). Convergence in this research is a condition that describes the smaller gap in the ratio of bank credit to GRDP which is classified into three sectors, namely the primary sector, secondary sector and tertiary sector. The data used in this research is panel data from 33 provinces 2012-2022 sourced from BPS and OJK. Estimations were carried out using a panel data regression approach. The research results show that in the primary sector there is no convergence, while in the secondary and tertiary sectors there is convergence.