MILLATI, NUSROH (2024) ANALISIS VARIABEL MAKRO DAN KEBIJAKAN MIKROPRUDENSIAL TERHADAP JUMLAH SIMPANAN DEPOSITO PADA BANK UMUM DI INDONESIA. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
The condition of deposits in the current economic context is greatly influenced by various important factors. First of all, the interest rate set by the central bank plays a crucial role in determining the attractiveness of deposits. When interest rates are high, deposits become more attractive because they offer higher returns compared to other investment instruments. On the other hand, low interest rates can make people look for more profitable investment alternatives. The aim of this research is to identify Deposit Interest Rates, Inflation, Economic Growth, Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) on the Total Deposit Savings at Commercial Banks in Indonesia for the 2018Q1 –2023Q4 Period. This research uses the Generalized Method of Moment (GMM) method which is processed using the STATA application. The results of this research show that deposit interest rates, inflation and economic growth have a positive and significant effect on the amount of deposit savings. Meanwhile, the Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) have a negative and significant effect on the amount of deposit savings.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Kondisi deposito dalam konteks perekonomian saat ini sangat dipengaruhi oleh berbagai faktor penting. Pertama-tama, tingkat suku bunga yang ditetapkan oleh bank sentral memainkan peran krusial dalam menentukan daya tarik deposito. Ketika suku bunga tinggi, deposito menjadi lebih menarik karena menawarkan pengembalian yang lebih tinggi dibandingkan dengan instrumen investasi lainnya. Sebaliknya, suku bunga rendah dapat membuat masyarakat mencari alternatif investasi yang lebih menguntungkan. Tujuan dari penelitian ini adalah untuk mengidentifikasi Suku Bunga Deposito, Inflasi, Pertumbuhan Ekonomi, Capital Adequacy Ratio (CAR), dan Loan to Deposit Ratio (LDR) terhadap Jumlah Simpanan Deposito pada Bank Umum di Indonesia Periode 2018Q1 – 2023Q4. Pada penelitian ini menggunakan metode Generalized Method of Moment (GMM) yang diolah menggunakan aplikasi STATA. Hasil dari penelitian ini menunjukkan bahwa Suku Bunga Deposito, Inflasi, dan Pertumbuhan Ekonomi berpengaruh positif dan signifikan terhadap Jumlah Simpanan Deposito. Sedangkan Capital Adequacy Ratio (CAR), dan Loan to Deposit Ratio (LDR) berpengaruh negatif dan signifikan terhadap Jumlah Simpanan Deposito. | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance |
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| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 60201-Program Sarjana Ilmu Ekonomi Pembangunan |
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| Depositing User: | NUSROH MILLATI | |||||||||
| Date Deposited: | 12 Aug 2024 12:46 | |||||||||
| Last Modified: | 12 Aug 2024 12:46 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/40552 |
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