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HAMBATAN PENYERAPAN KREDIT USAHA KECIL STUDI KASUS DI PASAR ANYAR I SINGARAJA BALI Maryatmo, R; Rahayu, Nyoman Yuyun Sri
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 2, No 1 (2009): March 2009
Publisher : Semarang State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v2i1.1456

Abstract

There were anomaly financial condition in Indonesia. Before 2008 net export were positif in one side,but there were strong financial inflow on another side. The flux of financial supply were not followed bythe financial absorbtion of the real sector. The study is going to investigate the problems of the realsector in absorbing the oversupply of capital market. Especially the study is dedicated to investigate theproblems of small peddler in Pasar Anyar I, Singaraja, Bali in absorbing the credit of banks. It is foundout that inelastic service of banking sectors in determining the time limit, amount of credit, and thebanking requirement for collateral are unaccepted for small peddlers. Small peddler with small capital buthigh return, and high capital circulation, which are vulnerable for economic shock, need fast service,without collateral, and elastic time limit, of credits. The mismatch of service and demand for fund forformal banking creates informal banking to be survived even they charge a higher interest.Keyword: Credit, Small peddler and Small capital
Pengaruh Nilai Tukar dan Suku Bunga Acuan Terhadap Neraca Transaksi Berjalan di Indonesia Periode 2005:1 – 2015: 1 (Pendekatan Error Correction Model) Saputra, Toni; Maryatmo, R
Modus Journals Vol 28, No 1 (2016): MODUS
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/modus.v28i1.668

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh nilai tukar dan suku bunga acuan terhadap neraca transaksi berjalan di Indonesia periode 2005:1- 2015:1. Data yang digunakan merupakan data sekunder. Data sekunder bersumber dari website Bank Indonesia. Alat analisis yang digunakan adalah Errror Correction Model (ECM). Selanjutnya analisis deskriptif digunakan untuk menjelaskan hasil penelitian.Penelitian ini menghasilkan dua hal. Pertama, dalam jangka pendek nilai tukar tidak berpengaruh terhadap neraca transaksi berjalan Indonesia. Dalam jangka panjang nilai tukar memiliki pengaruh positif dan signifikan terhadap neraca transaksi berjalan. Kedua, dalam jangka pendek suku bunga acuan tidak berpengaruh terhadap neraca transaksi berjalan Indonesia. Dalam jangka panjang suku bunga acuan memiliki pengaruh negatif terhadap neraca transaksi berjalan. Kata Kunci: neraca transaksi berjalan Indonesia, nilai tukar, suku bunga acuan, Errror Correction Model AbstractThis study aims to determine and analyze the effect of exchange rates and interest rates on current account in Indonesia from 2005: 1 to 2015: 1. The data used is secondary data. Secondary data is sourced from the website of Bank Indonesia. The analysis tool used is Errror Correction Model (ECM). Further descriptive analysis is used to explain the study results.This research resulted in two things. First, in the short term exchange rate has no effect on the current account in Indonesia. In the long term the exchange rate has a positive and significant impact on the current account. Second, in the short-term benchmark interest rate has no effect on the current account in Indonesia. In the long-term benchmark interest rate has a negative effect on the current account. Keywords: current account in Indonesia, the exchange rate, the benchmark interest rate, errror Correction Model
HAMBATAN PENYERAPAN KREDIT USAHA KECIL STUDI KASUS DI PASAR ANYAR I SINGARAJA BALI Maryatmo, R; Rahayu, Nyoman Yuyun Sri
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 2, No 1 (2009): March 2009
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v2i1.1456

Abstract

There were anomaly financial condition in Indonesia. Before 2008 net export were positif in one side,but there were strong financial inflow on another side. The flux of financial supply were not followed bythe financial absorbtion of the real sector. The study is going to investigate the problems of the realsector in absorbing the oversupply of capital market. Especially the study is dedicated to investigate theproblems of small peddler in Pasar Anyar I, Singaraja, Bali in absorbing the credit of banks. It is foundout that inelastic service of banking sectors in determining the time limit, amount of credit, and thebanking requirement for collateral are unaccepted for small peddlers. Small peddler with small capital buthigh return, and high capital circulation, which are vulnerable for economic shock, need fast service,without collateral, and elastic time limit, of credits. The mismatch of service and demand for fund forformal banking creates informal banking to be survived even they charge a higher interest.Keyword: Credit, Small peddler and Small capital
PERANAN PENGHARAPAN DALAM PENGAMBILAN KEPUTUSAN PENENTUAN WAKTU JATUH TEMPO DEPOSITO DAN HUBUNGAN ANTAR SUKU BUNGA DEPOSITO DENGAN JATUH TEMPO YANG BERBEDA Maryatmo, R
JURNAL BISNIS STRATEGI Vol 16, No 2 (2007): Desember
Publisher : Magister Manajemen, Fakultas Ekonomika dan Bisnis Undip

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (914.158 KB) | DOI: 10.14710/jbs.16.2.16-26

Abstract

The research is dedicated to investigate the role of expectation to the a/location of assets, especially to time deposite assets with different maturity. The transmision among time deposite with different maturity is through the interest differential. The equilibrium condition of the allocation of time deposite assets with different maturity is what so called with term structure. Testing the equilibrium condition of term structure means reveals the perfectness of the market, and perfectness of the information. Perfectness of the information on the term structure implies that interest rate is market determined, and agents perfectly learn from the market and formulate their expectation, and in return it influences the market. Important information which is considered by the agents to reformulate their expectation is inflation rate. Agents have long memory on inflation information. Six or seven month information on inflation rate is examined by the agents in order to determine the allocation of their time deposite assets with different maturity.