ABSTRAK
FAKTOR – FAKTOR YANG MEMPENGARUHI TINGKAT SUKU BUNGA DEPOSITO BERJANGKA PADA BANK PERSERO
DI INDONESIA PERIODE 2006 – 2013
Kondisi perbankan yang sering mengalami perubahan menyebabkan terjadinya fluktuasi suku bunga deposito berjangka pada Bank BUMN (Persero). Penelitian ini bertujuan untuk menganalisis pengaruh tingkat Inflasi, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return on Asset (ROA), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap tingkat Suku Bunga Deposito Berjangka Bank BUMN (Persero) di Indonesia.
Populasi dalam penelitian ini adalah seluruh Bank BUMN (Persero) di Indonesia yang berjumlah 4 (empat) bank. Adapun penentuan sampel adalah menggunakan metodesensus, dimana jumlah sampel adalah sama dengan jumlah populasi. Data dalampenelitian ini adalah data sekunder yaitu data inflasi dan kinerja keuangan bank umum tahun 2006-2013 yang diperoleh dari data Statistika Ekonomi KeuanganIndonesia (SEKI) dan Statistik Perbankan Indonesia (SPI) yang diplubikasikanoleh Bank Indonesia. Teknik analisis yang digunakan adalah analisis regresi linearberganda. Untuk melengkapi paparan hasil penelitian juga digunakan rujukan danreferensi dari bank data lain yang relevan, misalnya dari jurnal, laporan hasilpenelitian terdahulu, serta publikasi yang relevan dengan penelitian ini.
Hasil enelitian ini menunjukkan bahwa tingkat Inflasi, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return on Asset (ROA), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) secara simultan berpengaruh signifikan terhadap tingkat suku bunga deposito berjangka Bank BUMN (Persero) di Indonesia. Sedangkan secara parsial, yang berpengaruh signifikan adalah tingkat Inflasi. Sementara variabel Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return on Asset (ROA), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) tidak berpengaruh signifikan.
Kata Kunci : Suku Bunga Deposito Berjangka, Inflasi, Return on Assets (ROA), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO).
ABSTRACT
The frequently change of banking situation causing the fluctuation of state owned bank’s time deposit interest rate. The purpose of this study is to analyze the effects of Inflation rate, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR),Return on Asset (ROA), and Operating Cost to Income Cost (OCIC) toward Time Deposit Interest Rate of State Owned Banks in Indonesia.
Population of this study are all of State Owned Banks in Indonesia. There are4 (four) banks were included. The sample determining method to be used is census method, where the number of sample is equal to the number of population. Thedata in this study is secondary data, that is Inflation rate and State Ownedbanks financial performance since 2006 to 2013 obtained from Indonesian Monetary Economic Statistics (SEKI) and Indonesian Banking Statistics (SPI) that had beenpublished by Bank Indonesia. To complement the results, this research also use many references from other relevant data source such as journals, formerresearch and relevant publications to this research.
The result of research showed that Inflation rate, Capital Adequacy Ratio (CAR),Loan to Deposit Ratio (LDR), Return on Asset (ROA), and Operational Cost to Income Cost (OCIC) simultaneously influences significantly to Time Deposit Interest Rate of State Owned Banks in Indonesia. Whereas, with partially have significant effect is Inflation rate,while Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return on Asset (ROA), and Operating Cost to Income Cost (OCIC) are variables didn’t have significant effect.
Keywords : Time Deposit Interest Rate, Inflation, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return on Asset (ROA), and Operating Cost to Income Cost (OCIC).
