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Journal : Ekonomi Bisnis

PUBLIC SAVINGS AT PT. BANK NTT (PERSERO) MAIN BRANCH KUPANG AND THE FACTORS AFFECTING THEM Leki, Salomon; Perseveranda, M.E; Ketmoen, Adrianus; Indrawati, Agnes Susanti; Daok, Angelina Wulandari
Jurnal Ilmiah Ekonomi Bisnis Vol. 30 No. 3 (2025)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2025.v30i3.20

Abstract

The formulation of the problem in this study is (1) Whether the interest rate, inflation rate, and Regional Minimum Wage have a partial effect on the community's savings at PT. Bank NTT (Persero) Kupang Main Branch Unit?; (2) How do interest rates, inflation and regional minimum wages affect the level of public savings at PT. Bank NTT (Persero) Kupang Main Branch Unit? The purpose of this study is to analyze the influence of interest rates, inflation rates, and regional minimum wages on the amount of savings, both partially and simultaneously. The analysis technique used is quantitative analysis using a multiple linear regression model. In this study, the smallest square regression approach (Ordinary Least Square) was also used. The results of this analysis show that simultaneously: interest rates, inflation rates, and regional minimum wages have a significant effect on savings. Meanwhile, partially, interest rates have a significant positive effect on savings, while inflation and the regional minimum wage have a negative but significant effect. The value of the determination coefficient was 0.115 which indicates that 15.5% of the variation in savings can be explained by all three variables, while the remaining 84.5% is influenced by other factors outside the model. The researcher suggested that Bank NTT needs to strengthen the innovation of savings products and digital financial services in order to be able to increase public fund collection.
Co-Authors Adri Gabriel Sooai Agnes Susanti Indrawati Agnes Susanti Indrawati Albertus Reynaldi Nahak Taek Alfira Nay, Yustina Alfry Aristo Jansen Sinlae Amrosia Paskalia Suni Ananda Heppy Aizah Andrian Haro Ang, Clarisa Margaretha Anggelina Delviana Klau Anggraeny Paridy Anna Florentina Yunidista Bere Anselmus Boy Baunsele Aoetpah, Yuan M. Apolinaris Tnesi Apolonia Loda Apryanus Fallo Ayub A. Mautorin Banase, Marianus Antonius Deo Datus Bau Mau, Ignatia Thomasita Baunsele, Anselmus Benurtiana Vevin Boelan, Erly G. Correia, Maria Fatima M.M Damung, Maria Fatima Daok, Angelina Wulandari David Manafe Degeovani, Leonardo Elviana Wehelmina Fani Emiliana Martuti Lawalu Engelbertus G. Ch. Watu Engelbertus G. Ch. Watu Enike Tje Yustin Dima Erly Grizca Boelan Evafgia M. Gratya Bare Firmansyah, Mariano Francisco Pinto Oliviera Fransiska Jessica Adventia Wea Fransiskus Algentianus Kato Gamatara, Maksimilianus Jati Gani, Elisabeth Adelia Merdeka Wati Gaudensiana Nahak Gerardus Diri Tukan Hedwigh Hendrikus Temai Lejap Helena Kurnia Mauk Hendrawan, Mauritsius Sepis Hildegardis Missa Hironimus Dopo Ida Ayu Putu Sri Widnyani Imakulata Pongge, Maria Jelatu, Marcelina D. Kelen, Agnes Nirek Klau, Anggelina Delviana Klotilda S. Andi Kolin, Angelina Febriani Krisdayanti, Mariana O. Kristina Wada Betu Lado, Ferida Agata Kale Langobelen, Oktofian Ama Dudeng Leki, Salomon Lembata, Michael Ciputra Lengur, Eufrasia Reneilda Arianti Leni Marlina Kanadjo Lentisia Gude Leu, Euvemia P. C Loda, Adelheid Elisabet M. E. Perseveranda M.E Perseveranda M.E. Perseveranda Maksimilianus Paulus Jati Gamatara Manuk, Vinsensia L. Maria Anastasia Ue Maria Augustin Lopes Amaral Maria Bernadethe Mawarni Gelu Wutun Maria Fransiska De Cantal Peni Maria Gracelinda Loe Maria Imakulata Pongge Maria O. Krisdayanti Maria Vianney Meak Mariano Firmansyah Marius Masri Sadipun Martuti Lawalu, Emiliana Mau, Selviana Maximus M Taek Nahak, Eviana Nama, Ermelinda Palan Nani, Paskalis A. Nawa, Alexandro E. Henuk Nay Nimur, Yohana Priskalia Paskalis Andrianus Nani Patricia Rina Florencita Paulus Adrianus K. L. Ratumakin Perseveranda, M. E. Perseveranda, M.E Perseveranda, ME Petronela A. Balol Petrus Fernando Putra Wolla Pongge, Maria Imaculata Pongge, Maria Immaculata Priscilla M. A Hornay Ratumakin, Paulus A. K. L. Renoat, Ronald E. Ridan, Emiliana Rofina M. Rua Rondi, Selviana Muda Sakan, Kornelis Aryanto Salomon Leki Sape, Natalsya Vandana Sarani M. Tulun Saru, Joaquina Felicia Selfiana Goetha Seran, Apriliani Mariche Silvius Bria Solly Aryza Stanis Man Stefanie Noviega Bribin Burin Susana P. Baso Susanti Indrawati, Agnes Susanti Indrwati, Agnes Taek, Maximus M. Taneo, Brian Taninhelon, Defita Desideria Thaumaet, Barnabas Thomas Ola Langoday Tje Yustin Dima, Enike Turi, Veronika T. D Uri, Falenria Viany Cecilia Pah Wada Betu, Kristina Watu, Engelbertus Gloria Christy Watu, Engelbertus Glory Christy Wella, Bheatrix S. T Yasinta S. Enes Yohanes Petrus Dote Koten