ANALISIS FAKTOR â FAKTOR YANG MEMPENGARUHI TINGKAT SUKU BUNGA DEPOSITO BANK UMUM DI INDONESIA TAHUN 2007 â 2010 - Diponegoro University | Institutional Repository (UNDIP-IR)
ANALISIS FAKTOR – FAKTOR YANG
MEMPENGARUHI TINGKAT SUKU BUNGA
DEPOSITO BANK UMUM DI INDONESIA
TAHUN 2007 – 2010
SKRIPSI
Diajukan sebagai salah satu syarat
Untuk menyelesaikan Program Sarjana (S1)
Pada Program Sarjana Fakultas Ekonomi
Universitas Diponoegoro
Disusun Oleh:
SANITYASA RAHARJA
NIM. C2A607140
FAKULTAS EKONOMI
UNIVERSITAS DIPONEGORO
SEMARANG
2011
i
Nama Penyusun
: Sanityasa Raharja
Nomor Induk Mahasiswa
: C2A607140
Fakultas / Jurusan
: Ekonomi / Manajemen
Judul Usulan Penelitian Skripsi
:
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Dosen Pembimbing
: Drs. Mohammad Kholiq Mahfud, M.Si
Semarang, 9 Mei 2011
Dosen Pembimbing,
(Drs. Mohammad Kholiq Mahfud, M.Si)
NIP.131458542
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Tim Penguji
1. Drs. Mohammad Kholiq Mahfud, M.Si
( ……………………………… )
2. Prof. Dr. H. Suyudi Mangunwihardjo
( ……………………………… )
3. Drs. Prasetiono, M.Si
( ……………………………… )
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The frequently change of banking situation causing the fluctuation of
commercial bank’s time deposit interest rate. The purpose of this study is to
analyze the effects of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio
(LDR), dan Return On Asset (ROA) toward Time Deposit Interest Rate of
Commercial Bank in Indonesia.
Population of this study is all of commercial bank in indonesia. There are
121 bank that were included. The sample determining method to be used is census
method, where the number of sample is equal to the number of population. The
data in this study is secondary data that is inflation rate and commercial bank
financial performance on 2007 – 2010 obtained from Indonesian Monetary
Economic Statistics (SEKI) and Indonesian Banking Statistics (SPI) that had been
published by Bank Indonesia. To complement the results, this research also use
many references from other relevant data source such as journals, former
research and relevant publications to this research.
This research proved that inflation rate, Capital Adequacy Ratio (CAR),
Loan to Deposit Ratio (LDR), and Return On Asset (ROA) simultaneosly have
significant effect to Time Deposit Interest Rate of Commercial Bank in Indonesia.
Whereas the variables that partially have significant effect are inflation rate,
Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR), while Return
On Asset (ROA) variable didn’t have significant effect.
Keywords : Time Deposit Interest Rate, Inflation, CAR, ROA, LDR
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MEMPENGARUHI TINGKAT SUKU BUNGA
DEPOSITO BANK UMUM DI INDONESIA
TAHUN 2007 – 2010
SKRIPSI
Diajukan sebagai salah satu syarat
Untuk menyelesaikan Program Sarjana (S1)
Pada Program Sarjana Fakultas Ekonomi
Universitas Diponoegoro
Disusun Oleh:
SANITYASA RAHARJA
NIM. C2A607140
FAKULTAS EKONOMI
UNIVERSITAS DIPONEGORO
SEMARANG
2011
i
Nama Penyusun
: Sanityasa Raharja
Nomor Induk Mahasiswa
: C2A607140
Fakultas / Jurusan
: Ekonomi / Manajemen
Judul Usulan Penelitian Skripsi
:
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Dosen Pembimbing
: Drs. Mohammad Kholiq Mahfud, M.Si
Semarang, 9 Mei 2011
Dosen Pembimbing,
(Drs. Mohammad Kholiq Mahfud, M.Si)
NIP.131458542
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Welah dinyatakan lulus ujian pada tanggal
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Tim Penguji
1. Drs. Mohammad Kholiq Mahfud, M.Si
( ……………………………… )
2. Prof. Dr. H. Suyudi Mangunwihardjo
( ……………………………… )
3. Drs. Prasetiono, M.Si
( ……………………………… )
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The frequently change of banking situation causing the fluctuation of
commercial bank’s time deposit interest rate. The purpose of this study is to
analyze the effects of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio
(LDR), dan Return On Asset (ROA) toward Time Deposit Interest Rate of
Commercial Bank in Indonesia.
Population of this study is all of commercial bank in indonesia. There are
121 bank that were included. The sample determining method to be used is census
method, where the number of sample is equal to the number of population. The
data in this study is secondary data that is inflation rate and commercial bank
financial performance on 2007 – 2010 obtained from Indonesian Monetary
Economic Statistics (SEKI) and Indonesian Banking Statistics (SPI) that had been
published by Bank Indonesia. To complement the results, this research also use
many references from other relevant data source such as journals, former
research and relevant publications to this research.
This research proved that inflation rate, Capital Adequacy Ratio (CAR),
Loan to Deposit Ratio (LDR), and Return On Asset (ROA) simultaneosly have
significant effect to Time Deposit Interest Rate of Commercial Bank in Indonesia.
Whereas the variables that partially have significant effect are inflation rate,
Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR), while Return
On Asset (ROA) variable didn’t have significant effect.
Keywords : Time Deposit Interest Rate, Inflation, CAR, ROA, LDR
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