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Meliza SE.M.Com

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Author-ID : 3778846

Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Other

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PENGARUH KEBIJAKAN SUKU BUNGA BANK INDONESIA (BI Rate) TERHADAP NILAI TUKAR RUPIAH DAN RENTABILITAS BANK Meliza SE.M.Com
Pena Jurnal Ilmu Pengetahuan Dan Teknologi Vol 27, No 2 (2014): Pena September 2014
Publisher : LPPM Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/jurnalpena.v27i2.129

Global economic crisis in some European countries and United States has affected the value of rupiah exchange rate. Depreciation of rupiah caused some industrial sectors that used imported raw material face high production cost. Therefore, Bank Indonesia as central bank takes some actions to save rupiah value by increasing the interest rate in order to raise capita inflow to Indonesia. This governance will also influence the banking sector especially the fluctuation of bank’s cost of fund and loan interest and eventually affect bank’s rentability. The data of Indonesia Interest rate and Rupiah exchange rate is derived from Bank Indonesia Website. Meanwhile, the data of bank’s rentability (Return on Assets) is derived from publicity of income statement and balance sheet of Bank Rakyat Indonesia and Bank Danamon period July 2010-July 2013. Furthermore, this research use multiple regression method as research methodology that measure the influence of interest rate to rupiah exchange rate and bank’s rentability period July 2010-July 2013. The analysis data results that movement of interest rate of Bank Indonesia (BI Rate) has influence to rupiah exche rate about 48,4%. However, it does not have significant influence to bank’s rentability or only about 30%. Keywords : interest rate, rupiah exchange rate, bank’s rentability

ANALISA PENGARUH FAKTOR- FAKTOR MAKROEKONOMI DAN KEBIJAKAN KEUANGAN TERHADAP TINGKAT PENYALURAN KREDIT PERUMAHAN DI INDONESIA Meliza SE.M.Com; Danang Satrio
Jurnal Ekonomi Dan Bisnis Vol 13, No 2 (2013): Jurnal Ekonomi dan Bisnis, September 2013
Publisher : Fakultas Ekonomi Universitas Pekalongan

The increasing of housing needs in Indonesia result in the increasing of housing demand. However, bothgoverment and private sectors still can not provide affordable house. One of goverment policy toincerease the purchasing power of housing is by generates subsidizies fund for housing loan called“Fasilitas Likuiditas Pembiayaan Perumahan”. This fund aims to create affordable housing loan.Furthermore, banking sector which has important role in distribution of housing fund faces someproblems to raise the housing loan distribution. This condition caused by some macroecomonic factorssuch as the rate of inflation and fluctuation of Indonesia exchange rate called “rupiah”. Moreover,interest rates as one of government financial policies also influence the level of housing loan. Therefore,this research purposes to analyze both macroeconomics and financial policy factors that affect the levelof housing loan distribution. Besides, this research also uses multiple regressions and multiplecorrelations to analysis the influence of macroeconomics and financial policy factors. The multipleregressions and multiple correlations show that interest rate, inflation rate, and fluctuation of exchangerate have influence to the housing loan level of distribution. The interest rate has significant influenceand correlation to the housing loan level distribution. Nevertheless, the fluctuation of Indonesiaexchange rate has low correlation and influence to the housing loan level of distribution. Keywords : kredit perumahan, tingkat penyaluran kredit

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