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All Journal EKONOMIS : Journal of Economics and Business Jurnal Penelitian Pendidikan Indonesia
Suhardiono, Suhardiono
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Economics, Econometrics & Finance Other

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Relationship between bank indonesia rate, guaranteed rate, and banking lending rates Nurcahningsih, Astrika Erlin; Suhardiono, Suhardiono; Siregar, Hermanto; Alim, Muhammad Sahirul
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 11 No. 3 (2025): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020256277

Abstract

Maintaining the stability of the Rupiah is a core objective of Bank Indonesia’s monetary policy, in which the BI reference rate serves as a primary instrument. In parallel, the Deposit Insurance Corporation (LPS) sets the deposit guarantee rate, which influences banks’ funding strategies and deposit-taking behavior. The interaction between these two policy rates is crucial, as it directly shapes the interest rates offered by banks to the public, yet empirical studies on their combined impact in Indonesia remain limited. This study specifically investigates how changes in the BI reference rate and the LPS guarantee rate affect commercial banks’ lending and deposit rates. Using monthly secondary data from Bank Indonesia and LPS spanning January 2015 to December 2023, we apply descriptive statistical analysis and Granger causality testing to capture both correlation and directional influence. The results reveal that both the BI reference rate and the LPS guarantee rate have a statistically significant positive effect on banking interest rates, with the BI reference rate exerting a stronger and more immediate influence, while the LPS guarantee rate demonstrates a lagged effect. These findings provide practical insights for policymakers in synchronizing monetary and deposit insurance policies to enhance financial stability, and contribute to the academic literature by clarifying the dual role of policy rates in shaping banking sector pricing behavior.
Peran Lembaga Penjamin Simpanan dalam Menjaga Stabilitas Sektor Perbankan di Indonesia: Systematic Literature Review Suhardiono, Suhardiono; Sembel, Roy; Suwandi, Suwandi
Ekonomis: Journal of Economics and Business Vol 9, No 1 (2025): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i1.2177

Abstract

This study aims to understand the role of the Deposit Insurance Corporation (LPS) in maintaining the stability of the banking sector in Indonesia through a systematic literature review methodology. This study analyzes 12 articles identified from the Emerald and Elsevier databases using the keywords "deposit insurance" and "Indonesia," selected according to the PRISMA guidelines. The results show that the deposit insurance system in Indonesia, especially after the introduction of the Blanket Guarantee Scheme (BGS) after the 1998 financial crisis, has succeeded in restoring public confidence in banks despite causing moral hazard. The replacement of BGS with Limited Guarantee (LG) in 2005 improved market discipline and reduced the risks taken by banks. This study confirms that LPS is effective in providing guarantees for customer deposits, which increases public confidence and prevents bank runs. However, there are challenges in overcoming moral hazard and ensuring internal control and risk management.
Co-Authors Alim, Muhammad sahirul Hermanto Siregar Nurcahningsih, Astrika Erlin Nurcahyaningsih, Astrika Erlin Roy Sembel Suwandi Suwandi