ANALISIS FAKTOR-FAKTOR EKSTERNAL DAN INTERNAL TERHADAP SUKU BUNGA DEPOSITO (Studi Empirik pada Bank Persero Yang Terdaftar di Bank Indonesia periode 2004-2010)

Suhartono Suhartono


This study aims to determine the factors external and internal that can influence the deposit interest rate
on State-Owned Banks. External factors are inflation and the Bank Indonesia Certificates (SBIs). While the
internal factors of banking performance, represented by the CAR (Capital Adequacy Ratio), LDR (Loan to
Deposit) and ROA (Return On Assets). The data used are secondary data from Bank Indonesia in 2004-2010.
Analysis to test the research hypothesis is done by multiple linear regression analysis to test the effect of each
independent variable (inflation, Bank Indonesia Certificates, CAR (Capital Adequacy Ratio), LDR (Loan to
Deposit Ratio) and ROA (Return On Assets) to the dependent variable (deposit rates). Before analyzing the
regression results, first results of the classical assumptions and its significance tested, ensuring they meet the
standards of the BLUE (Best Linear Unbiased Estimator). From the result of external factors and internal on
interest rates deposits showed a significant relationship between inflation, Bank Indonesia Certificates (SBI)
and CAR (Capital Adequacy Ratio) of the deposit rate at the level of 5%. While variable LDR (Loan to
Deposit Ratio) and ROA (Return On Assets) proved to have no effect significantly.

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