ANALISIS PENGARUH BI RATE, INFLASI DAN PDRB PERKAPITA TERHADAP PENGHIMPUNAN DANA PIHAK KETIGA PADA BANK UMUM DI KABUPATEN BANYUMAS TAHUN 2008-2015

Tryo Andhyka, NIM. 1323205008 (2018) ANALISIS PENGARUH BI RATE, INFLASI DAN PDRB PERKAPITA TERHADAP PENGHIMPUNAN DANA PIHAK KETIGA PADA BANK UMUM DI KABUPATEN BANYUMAS TAHUN 2008-2015. Skripsi thesis, IAIN Purwokerto.

Preview	Text COVER_ABSTRAK_DAFTAR ISI_BAB I_BAB V_DAFTAR PUSTAKA_LAMPIRAN.pdf Download (1MB) | Preview
	Text TRYO ANDHYKA_ANALISIS PENGARUH BI RATE.pdf Restricted to Registered users only Download (4MB)

Abstract

The high economic growth increased high competition between commercial banks to improve their performance so that banking is particularly vulnerable to the economic turmoil. As a result, when the financial crisis occurred in economic sector in Banyumas regency, banking system became worst. So it declining public confidence towards national banking which resulted declining third-party funds from Banyumas community. In fact, the bank development was strongly influenced by its ability to gather funds from the community. The slowness or increasing in gathering the third-party funds at a Banyumas public bank influenced by crisis macroeconomic sectors factor which include BI rate (interest rates), inflation, and Banyumas GDP per capita. The increasing interest rates on commercial bank led to the attraction of deposit funds in banking community will increase. And also the increased BI rate aims to curb inflation caused by decline Rupiah value against Dollar that caused increasing price and reduce the society for saving. The size number of third-party funds in banks cannot be separated from the amount of income received by the population. This research aim at testing BI rate, inflation, and GDP per capita both simultaneously and partially to the third-party fund collecting by taking case study on commercial banks in Banyumas regency in 2008-1015 period and to find out the most influential variables towards the third-party funds amount. Based on the research result and data analysis, the first hypothesis testing shows simultaneously BI rate variable, inflation, and GRDP per capita effect significantly to the number of third-party funds, this is indicated by the value of Fcount of 89.88446 is greater than Ftabel 2.703594. But partially from result of research indicate that BI Rate have significant influence to third party fund, This is reflected from t count value> t table that is 6.074584> 1.986. The inflation rate has no significant effect on third party funds. This is reflected from the value of t arithmetic <t table ie -0.599370 <-1.986. The per capita GRDP rate has a significant influence on third party funds. This is reflected from the value of t arithmetic> t table is 16.13155> 1.986. The BI Rate variable is the most influential variable to the third-party funds amount in commercial banks in Banyumas in 2008-2015. The data used in this research are data of Third Party Funds of Commercial Banks, BI Rate, Inflation, and GDP of Constant Price 2010 data from January 2008 to December 2015 in Banyumas Regency. These data are primary and secondary data that have been published by Bank Indonesia, the Financial Services Authority and the Central Bureau of Statistics. In line with the problems and hypotheses in this study, this study uses multiple linear regression analysis tool to determine the relationship between the dependent variable with three independent variables with data processing using analysis tools in the form of software Eviews 6. The dependent variables studied are Third Party Funds Commercial Banks, while the independent variable is the BI Rate, Inflation GDP Per Capita The research implication is to increase the amount of third-party funds in commercial banks in Banyumas, it requires the Indonesian Bank presence efforts and public bank in order to anticipate the interest rates risk which are to prepare interest rate estimation by observing the actual inflation rate in order to estimate the interest rate level is lower than inflation. So, it can attract people to save money in bank. The government is attempting to increase per capita income in Banyumas. Because, the increased income is the society ability to save its income in the bank.In Islamic economics Transaction money function to motivation and guard. A precautionary motivation arises because individuals and companies consider the need for cash outside of what is used for the transaction and also useful in the storage of both savings, time deposits and demand deposits, in order to meet the obligations and opportunities unexpected for advance purchases, with very limited amounts.

Actions (login required)

View Item