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All Journal Jurnal Akuntansi Kompetif Journal of Humanities Education Management Accounting and Transportation
Siallagan, E. Hamonangan
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Humanities Economics, Econometrics & Finance Education Physics Transportation

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Peran Bank Indonesia Terhadap Pelaksanaan Kliring Antar Bank Simorangkir, Tevril Kerin; Simamomora, Febri Dayani; Banjarnahor, Yesi Inda Suryani; Siallagan, E. Hamonangan; Hasugian, Christnova
Journal of Humanities Education Management Accounting and Transportation Vol 2, No 1 (2025): Februari 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/hemat.v2i1.5266

Abstract

Penelitian ini teentang Peran Bank Indonesia terhadap Pelaksanaan Kliring antar Bank: Kliring merupakan pertukaran warkat atau data keuangan antar bank baik atas nama bank maupun nasabah yang hasil perhitungannya diselesaikan pada waktu tertentu. Tujuan penelitian ini Untuk mengetahui bagaimana peran Bank Indonesia sebagai Bank pelaksana Kliring antar bank dan Untuk mengetahui bagaimana tata cara pelaksaan Kliring antar Bank. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif yang didasarkan pada studi kepustakaan melalui analisis teori dan literatur terkait.  Hasil pembahasan menunjukkan bahwa peran Bank Indonesia sebagai pelaksana kliring yaitu (1) Sebagai pengawas untuk proses kliring berjalan sesuai dengan peraturan dan kebijakan (2)Sebagai penyelenggara dalam mengoperasikan sistem kliring nasional, seperti sistem kliring nasional Bank Indonesia (3) Sebagai regulator dalam menerbitkan aturan terkait mekanisme kliring antar bank dan teknologi yang digunakan. Adapun mekanisme pelaksanaan kliring melibatkan dua tahap kliring penyerahan dan kliring pengembalian. Kesimpulannya kliring yang diatur oleh bank indonesia mempermudah penyelesaian utang piutang antar bank , meningkatkan kepercayaan masyarakat terhadap sistem perbankan.
FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT SUKU BUNGA DEPOSITO BERJANGKA PADA BANK UMUM INDONESIA: STUDI LITERATUR Rajagukguk, Eska H; Manurung, Valentina; Enjel Sitinjak, Dian Mika; Siallagan, E. Hamonangan; Hasugian, Christnova
Jurnal Akuntansi Kompetif Vol. 8 No. 1 (2025): Kinerja Keuangan, Akuntabilitas, dan Digitalisasi Laporan pada Sektor Publik da
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/akuntansikompetif.v8i1.2022

Abstract

This research aims to analyze the factors influencing the interest rate of time deposits in commercial banks through a literature review approach. The time deposit interest rate is one of the crucial instruments in the banking sector, reflecting the cost of funds for banks and influencing customer decisions in saving. In this study, we identify various factors contributing to interest rate determination, including macroeconomic conditions, monetary policy, interbank competition, and liquidity risk. Furthermore, this research also discusses the role of inflation and market expectations on time deposit interest rates. By analyzing existing literature, this research is expected to provide deeper insights into the dynamics of time deposit interest rates and their implications for bank asset and liability management. The findings of this research can serve as a reference for practitioners and academics in understanding the factors influencing deposit interest rates, and assist banks in formulating more effective interest rate setting strategies
ANALISIS PERILAKU NASABAH TERHADAP MINAT BERINVESTASI DEPOSITO PADA BANK BRI Meyken, Meyken; Agnes, Agnes; Ester, Ester; Asmida, Asmida; Roselina, Roselina; Siallagan, E. Hamonangan; Hasugian, Christnova
Jurnal Akuntansi Kompetif Vol. 8 No. 1 (2025): Kinerja Keuangan, Akuntabilitas, dan Digitalisasi Laporan pada Sektor Publik da
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/akuntansikompetif.v8i1.2041

Abstract

This study aims to analyze the factors influencing Bank Rakyat Indonesia (BRI) customers’ interest in investing in deposits. The examined factors include attitudes, subjective norms, and perceived behavioral control based on the Theory of Planned Behavior (TPB). A quantitative approach was employed, with questionnaires as the data collection instrument. The sample consisted of 100 BRI deposit customers in Medan City, selected using purposive sampling. Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The findings revealed that attitudes, subjective norms, and perceived behavioral control significantly influence deposit investment interest. These findings provide strategic recommendations for BRI to enhance the attractiveness of deposit products through customer education and supportive facilities
Co-Authors Agnes Agnes Asmida, Asmida Banjarnahor, Yesi Inda Suryani Enjel Sitinjak, Dian Mika Ester Ester Hasugian, Christnova Manurung, Valentina Meyken, Meyken Rajagukguk, Eska H Roselina, Roselina Simamomora, Febri Dayani Simorangkir, Tevril Kerin