Minim, Akses Informasi Deposan.
Pikiran Rakyat
oNMLKJIHGFEDCBA
o
o
o
o
2
4
10
11
12
6
5'
(i)ZYXWVUTSRQPONMLKJIHGFEDCBA
S e n in
S e la s a
Rabu
•
7
18
19
o
O P eb
20
' '21
Mar
O Ap r
Minim,
BANDUNG,
8
24
eJun
O M ei
Jumat
26
25
O Jul
O Ag s
o
S a b tu
M in g g u
13
14
15
28
29
30
9
22 . 23
27
O Sep
O O kt
O Nov
O D es
Informasi D'eposan
A kses
(PR).-
K a m is
jia n te rs e b u t
m e n ja d i s a la h s a -
" M a s a la h n y a , d e p o s a n In d o -
B a n k In d o n e s ia
(B I) h a ru s
m u la i m e n g e d u k a s i m a s y a ra k a t
tu d a ri tu ju h k e rta s k e rja te rb a -
n e s ia tid a k
ik d i b id a n g
S e la in itu , a k s e s in fo rm a s i
m engenai
d a n k e u a n g a n . S e c a ra o to m a tis
h a s il ris e t itu a k a n d ip u b lik a s i-
posan
m engenai
m a s ih
m in im .
kan
p e rti k a s u s C e n tu ry , m a s y a ra k a t b a ru ta h u s e te la h a d a k e ja -
p e n g h itu n g a n
m a n a je m e n t
b e rd a sa rk a n
dul
r is k
b a n k. P a s a ln y a ,
k a jia n y a n g b e rju -
" D e p o s ito r
S e n s itivity
to
R is k o f Is la m ic & C o n ve n tio n a l
B a n k:
E vid e n c e F r o m In d o n e -
s ia " d ite m u k a n
d i In d o n e s ia
bahw a deposan
k u ra n g p e d u li te r-
h a d a p ris ik o y a n g d ik a lk u la s i
d a ri fa k to r fu n d a m e n ta l b a n k
d a n fa k to r m a k ro e k o n o m i.
D e p o s a n le b ih m e lih a t k e p a d a ja rin g a n
a ta u a k s e s ib ilita s
d a n k re d ib ilita s b a n k y a n g d ilih a t d a ri tr a c k r e c o r d b a n k te rs e b u t. D e p o s a n tid a k m e lih a t
ris ik o m u rn i y a n g d ih itu n g .
" H a l in i a p a b ila d ib ia rk a n te ru s
m e n e ru s
te n tu n y a
akan
m e ru g ik a n m a s y a ra k a t. K a re n a .m a s y a r a k a t
tid a k m e n g e ta -
pada
Journal
e k o n o m i,
b is n is ,
" T h e In te r n a tio n a l
o f B u s in e s s & F in a n c e
R e s e a r c h 2 0 1 0 " m e n d a ta n g .
.E r i e m e n j e l a s k a n , d a r i k a j i a n
y a n g d ila k u k a n , d ik e ta h u i b a h w a d e p o s a n le b ih m e m p e rh a tik a n k e te rja n g k a u a n
la y a n a n
d a n k re d ib ilita s b a n k d a la m k e p u tu s a n
in v e s ta s i. B a ik p a d a
B a n k Is la m m a u p u n b a n k k o n v e n s io n a l.
B ahkan, yang m en-
ja d i p e rh a tia n ,
d a ri 5 3 b a n k
y a n g m e n ja d i s a m p e l d ite m u kan bahw a deposan pada bank
k o n v e n s io n a l c e n d e ru Iig rn e m -
p o s ito u n tu k
k o ," u j a r s t a f p e n e l i t i
L ab M an a je m e n F a k u lta s E k o n o m i &
B is n is , U n iv e rs ita s P a d ja d ja ra n ,
t a s ," u j a r n y a .
A ld rin H e rw a n y
d a n E rie F e b -
m e n g e ja r lik u id i-
H a l te rs e b u t,
la lu te rs e b u t
m e m p e ro le h p e n g h a rg a a n p u ts ta n d in g R e s e a r c h Aw a r d . K a -,
te g a s
s e m a k i n t i n g g i .:
dan
h a ru s
s ia p
b e rh a d a p a n
d e n g a n r u s h , jik a
m e m u la i m e n g e d u k a s i m a s y a ra k a t te rh a d a p m a s a la h in i. N a jik a
sudah
m e m a h a m i,
p u n a k a n m e n g e r-
ti d a n r u s h y a n g d ik h a w a tirk a n
t i d a k a k a n t e r j a d i ," u j a r n y a .
K a jia n itu ju g a m e n e m u k a n
a d a k e c e n d e ru n g a n
m e n in g k a t-
b e rb e d a d e n g a n k o n d is i
m e n u ru t te o ri k e u a n g a n .
id e a l
K e ti-
b a h a k ib a t p e rp in d a h a n
dana
d e p o s a n d a ri b a n k k o n v e n s io -
tin g g i, d e p o s a n
ta R ic a , m in g g u
y a n g b e rk a ita n
"H a ru s
te rja d in y a r u s h
k e tik a ris ik o b a n k
n y a ju m la h
k a s u a tu b a n k
di C os-
(p e n a rik a n )
E rie ,
K a jia n y a n g d ip a p a rk a n d a la m G lo b a l C o n fe re n c e o n B u s i2010,
se-
m e n u ru t
ria n , d i B a n d u n g , (2 /6 ).
n e s s a n d F in a n c e
m e n g a k ib a tk a n
m a sy a ra k a t
k o n d is i s e h a t d a n tid a k b e ris i-
A k ib a tn y a ,
bahkan,
h a ru s
ada edukasi
y a n g d ila k u k a n B I a g a r m a s y a ra k a t m e m a h a m i p e n g h itu n g a n
ris ik o b a n k . M e s k i, h a l itu a k a n
m un,
" D ia n g g a p b a h w a b a n k te rs e b u t m e n a ik k a n s u k u b u n g a d e -
de-
k o n d is i b a n k
d i a n ," k a t a A l d r i n m e n a m b a h -
ris ik o b a n k
h u i b a n k m a n a s a ja y a n g d a la m
ris ik o itu .
kan .
O le h k a re n a itu , d ia m e n a m -
p e rs e p s ik a n p e n a w a ra n b u n g a
y a n g tin g g i m e ru p a k a n re fle k s i
y a n g se b e n a rn y a .
m e lih a t
m e m ilik i ris ik o
d e p o s ito m u d h a ra -
n a l y a n g d ia n g g a p le b ih b e ris i-
a k a n m e n a rik
k o . S e la in itu , m e s k ip u n
d i In -
d a n a . A ta u jik a tid a k , d e p o s a n
d o n e s ia L P S m e n ja m in
m a sy a ra k a t
m a k s im u m
dana
Rp 2
a k a n te ta p m e n y im p a n
uang
y a n g d im ilik i, te ta p i d e n g a n b u n g a y a n g tin g g i k a re n a
y a n g tin g g i p u la .
Kliping
ris ik o
Humas Unpad 2010
m ilia r, p ro s e s p e n g e m b a lia n
d a n a d a ri b a n k y a n g d itu tu p tidak m udah.
(A-188)***
31
oNMLKJIHGFEDCBA
o
o
o
o
2
4
10
11
12
6
5'
(i)ZYXWVUTSRQPONMLKJIHGFEDCBA
S e n in
S e la s a
Rabu
•
7
18
19
o
O P eb
20
' '21
Mar
O Ap r
Minim,
BANDUNG,
8
24
eJun
O M ei
Jumat
26
25
O Jul
O Ag s
o
S a b tu
M in g g u
13
14
15
28
29
30
9
22 . 23
27
O Sep
O O kt
O Nov
O D es
Informasi D'eposan
A kses
(PR).-
K a m is
jia n te rs e b u t
m e n ja d i s a la h s a -
" M a s a la h n y a , d e p o s a n In d o -
B a n k In d o n e s ia
(B I) h a ru s
m u la i m e n g e d u k a s i m a s y a ra k a t
tu d a ri tu ju h k e rta s k e rja te rb a -
n e s ia tid a k
ik d i b id a n g
S e la in itu , a k s e s in fo rm a s i
m engenai
d a n k e u a n g a n . S e c a ra o to m a tis
h a s il ris e t itu a k a n d ip u b lik a s i-
posan
m engenai
m a s ih
m in im .
kan
p e rti k a s u s C e n tu ry , m a s y a ra k a t b a ru ta h u s e te la h a d a k e ja -
p e n g h itu n g a n
m a n a je m e n t
b e rd a sa rk a n
dul
r is k
b a n k. P a s a ln y a ,
k a jia n y a n g b e rju -
" D e p o s ito r
S e n s itivity
to
R is k o f Is la m ic & C o n ve n tio n a l
B a n k:
E vid e n c e F r o m In d o n e -
s ia " d ite m u k a n
d i In d o n e s ia
bahw a deposan
k u ra n g p e d u li te r-
h a d a p ris ik o y a n g d ik a lk u la s i
d a ri fa k to r fu n d a m e n ta l b a n k
d a n fa k to r m a k ro e k o n o m i.
D e p o s a n le b ih m e lih a t k e p a d a ja rin g a n
a ta u a k s e s ib ilita s
d a n k re d ib ilita s b a n k y a n g d ilih a t d a ri tr a c k r e c o r d b a n k te rs e b u t. D e p o s a n tid a k m e lih a t
ris ik o m u rn i y a n g d ih itu n g .
" H a l in i a p a b ila d ib ia rk a n te ru s
m e n e ru s
te n tu n y a
akan
m e ru g ik a n m a s y a ra k a t. K a re n a .m a s y a r a k a t
tid a k m e n g e ta -
pada
Journal
e k o n o m i,
b is n is ,
" T h e In te r n a tio n a l
o f B u s in e s s & F in a n c e
R e s e a r c h 2 0 1 0 " m e n d a ta n g .
.E r i e m e n j e l a s k a n , d a r i k a j i a n
y a n g d ila k u k a n , d ik e ta h u i b a h w a d e p o s a n le b ih m e m p e rh a tik a n k e te rja n g k a u a n
la y a n a n
d a n k re d ib ilita s b a n k d a la m k e p u tu s a n
in v e s ta s i. B a ik p a d a
B a n k Is la m m a u p u n b a n k k o n v e n s io n a l.
B ahkan, yang m en-
ja d i p e rh a tia n ,
d a ri 5 3 b a n k
y a n g m e n ja d i s a m p e l d ite m u kan bahw a deposan pada bank
k o n v e n s io n a l c e n d e ru Iig rn e m -
p o s ito u n tu k
k o ," u j a r s t a f p e n e l i t i
L ab M an a je m e n F a k u lta s E k o n o m i &
B is n is , U n iv e rs ita s P a d ja d ja ra n ,
t a s ," u j a r n y a .
A ld rin H e rw a n y
d a n E rie F e b -
m e n g e ja r lik u id i-
H a l te rs e b u t,
la lu te rs e b u t
m e m p e ro le h p e n g h a rg a a n p u ts ta n d in g R e s e a r c h Aw a r d . K a -,
te g a s
s e m a k i n t i n g g i .:
dan
h a ru s
s ia p
b e rh a d a p a n
d e n g a n r u s h , jik a
m e m u la i m e n g e d u k a s i m a s y a ra k a t te rh a d a p m a s a la h in i. N a jik a
sudah
m e m a h a m i,
p u n a k a n m e n g e r-
ti d a n r u s h y a n g d ik h a w a tirk a n
t i d a k a k a n t e r j a d i ," u j a r n y a .
K a jia n itu ju g a m e n e m u k a n
a d a k e c e n d e ru n g a n
m e n in g k a t-
b e rb e d a d e n g a n k o n d is i
m e n u ru t te o ri k e u a n g a n .
id e a l
K e ti-
b a h a k ib a t p e rp in d a h a n
dana
d e p o s a n d a ri b a n k k o n v e n s io -
tin g g i, d e p o s a n
ta R ic a , m in g g u
y a n g b e rk a ita n
"H a ru s
te rja d in y a r u s h
k e tik a ris ik o b a n k
n y a ju m la h
k a s u a tu b a n k
di C os-
(p e n a rik a n )
E rie ,
K a jia n y a n g d ip a p a rk a n d a la m G lo b a l C o n fe re n c e o n B u s i2010,
se-
m e n u ru t
ria n , d i B a n d u n g , (2 /6 ).
n e s s a n d F in a n c e
m e n g a k ib a tk a n
m a sy a ra k a t
k o n d is i s e h a t d a n tid a k b e ris i-
A k ib a tn y a ,
bahkan,
h a ru s
ada edukasi
y a n g d ila k u k a n B I a g a r m a s y a ra k a t m e m a h a m i p e n g h itu n g a n
ris ik o b a n k . M e s k i, h a l itu a k a n
m un,
" D ia n g g a p b a h w a b a n k te rs e b u t m e n a ik k a n s u k u b u n g a d e -
de-
k o n d is i b a n k
d i a n ," k a t a A l d r i n m e n a m b a h -
ris ik o b a n k
h u i b a n k m a n a s a ja y a n g d a la m
ris ik o itu .
kan .
O le h k a re n a itu , d ia m e n a m -
p e rs e p s ik a n p e n a w a ra n b u n g a
y a n g tin g g i m e ru p a k a n re fle k s i
y a n g se b e n a rn y a .
m e lih a t
m e m ilik i ris ik o
d e p o s ito m u d h a ra -
n a l y a n g d ia n g g a p le b ih b e ris i-
a k a n m e n a rik
k o . S e la in itu , m e s k ip u n
d i In -
d a n a . A ta u jik a tid a k , d e p o s a n
d o n e s ia L P S m e n ja m in
m a sy a ra k a t
m a k s im u m
dana
Rp 2
a k a n te ta p m e n y im p a n
uang
y a n g d im ilik i, te ta p i d e n g a n b u n g a y a n g tin g g i k a re n a
y a n g tin g g i p u la .
Kliping
ris ik o
Humas Unpad 2010
m ilia r, p ro s e s p e n g e m b a lia n
d a n a d a ri b a n k y a n g d itu tu p tidak m udah.
(A-188)***
31