Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Yanti Octacia Selvianica Sigalingging
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Pengaruh Inflasi terhadap Tingkat Pengembalian (Real Return) Deposito Yanti Enjelika Hutasoit; Yanti Octacia Selvianica Sigalingging; May Artha Pakpahan; Sastri Erpina Sinaga; Hamonangan Siallagan
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 5 No. 2 (2026): Jurnal Ekonomi, Manajemen Pariwisata Dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v5i2.6531

Abstract

This study aims to examine the effect of inflation on deposit development using a literature review approach. Data were obtained from previous empirical studies, academic books, official reports, and other relevant scientific publications related to inflation and banking performance. The analysis indicates that inflation has a significant influence on the real return of bank deposits. When inflation increases and exceeds the interest rates offered by banks, the real yield on deposits becomes negative, thereby reducing their attractiveness as a savings and store-of-value instrument. Under such conditions, depositors tend to reallocate their funds to alternative investment instruments, such as gold, bonds, or stocks, which are perceived to provide better protection against inflation. This shift in investment behavior can lead to a decline in deposit growth and reduce banks’ third-party funds (DPK), potentially affecting banking liquidity and financial stability. The findings emphasize that inflation is a crucial macroeconomic variable that shapes saving behavior, influences deposit mobilization, and determines the stability of banking funding sources. Therefore, maintaining price stability is essential to support sustainable deposit growth and strengthen the resilience of the banking sector.
Co-Authors Hamonangan Siallagan May Artha Pakpahan Sastri Erpina Sinaga Yanti Enjelika Hutasoit