Hashifah Nabilah, Hashifah
Jurusan Manajemen Fakultas Ekonomika dan Bisnis Universitas Diponegoro

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PENGARUH GIRO WAJIB MINIMUM (GWM), SUKU BUNGA DEPOSITO BERJANGKA, DANA PIHAK KETIGA (DPK) DAN COST OF LOANABLE FUNDS TERHADAP BASE LENDING RATE (BLR) (STUDI PADA BANK SWASTA NASIONAL DAN BANK PERSERO YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2010-2014) Nabilah, Hashifah; Mawardi, Wisnu
JURNAL STUDI MANAJEMEN ORGANISASI Vol 13, No 2 (2016)
Publisher : Faculty of Economics and Business Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (119.726 KB) | DOI: 10.14710/jsmo.v13i2.13404

Abstract

Base lending rate is the implementation process of the management of bank funding. Inbanking industry which more competitive, banks are required to offer a low base lendingrate. On the other hand, the banks had no motivation to maximize revenue. This study isaimed to analyze the effect of reserve requirements, deposit interest rates, third partyfunds and cost of loanable funds to the base lending rate.The samples used in this study are 14 private national banks and state-owned banks listedon the Indonesia Stock Exchange in 2010-2014. The method of this research is usingmultiple regression model with IBM SPSS Statistics 22 program to analyze the effect ofindependent variables to the dependent variable.The result shows that the deposit interest rate and the cost of the loanable funds havepositive and significant effect to the base lending rate. However, reserve requirementsand third party funds does not affect to base lending rate. These results proved that highinterest rates on time deposits are the bank's strategy to increase market share of timedeposits which is bank's largest sources of funding and the component that has thebiggest influence on BLR is COLF amounted to 33.79% of the components that formBLR.
PENGARUH GIRO WAJIB MINIMUM (GWM), SUKU BUNGA DEPOSITO BERJANGKA, DANA PIHAK KETIGA (DPK) DAN COST OF LOANABLE FUNDS TERHADAP BASE LENDING RATE (BLR) (Studi Pada Bank Swasta Nasional dan Bank Persero yang Terdaftar di Bursa Efek Indonesia Periode 2010-201 Nabilah, Hashifah; Mawardi, Wisnu
Diponegoro Journal of Management Volume 5, Nomor 3, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (109.979 KB)

Abstract

Base lending rate is the implementation process of the management of bank funding. In banking industry which more competitive, banks are required to offer a low base lending rate. On the other hand, the banks had no motivation to maximize revenue. This study is aimed to analyze the effect of reserve requirements, deposit interest rates, third party funds and cost of loanable funds to the base lending rate.            The samples used in this study are 14 private national banks and state-owned banks listed on the Indonesia Stock Exchange in 2010-2014. The method of this research is using multiple regression model with IBM SPSS Statistics 22 program to analyze the effect of independent variables to the dependent variable.            The result shows that the deposit interest rate and the cost of the loanable funds have positive and significant effect to the base lending rate. However, reserve requirements and third party funds does not affect to base lending rate. These results proved that high interest rates on time deposits are the banks strategy to increase market share of time deposits which is banks largest sources of funding and the component that has the biggest influence on BLR is COLF amounted to 33.79% of the components that form BLR.
PENGARUH GIRO WAJIB MINIMUM (GWM), SUKU BUNGA DEPOSITO BERJANGKA, DANA PIHAK KETIGA (DPK) DAN COST OF LOANABLE FUNDS TERHADAP BASE LENDING RATE (BLR) (Studi Pada Bank Swasta Nasional dan Bank Persero yang Terdaftar di Bursa Efek Indonesia Periode 2010-201 Nabilah, Hashifah; Mawardi, Wisnu
Diponegoro Journal of Management Volume 5, Nomor 3, Tahun 2016
Publisher : Faculty of Economics and Business Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (109.979 KB)

Abstract

Base lending rate is the implementation process of the management of bank funding. In banking industry which more competitive, banks are required to offer a low base lending rate. On the other hand, the banks had no motivation to maximize revenue. This study is aimed to analyze the effect of reserve requirements, deposit interest rates, third party funds and cost of loanable funds to the base lending rate.            The samples used in this study are 14 private national banks and state-owned banks listed on the Indonesia Stock Exchange in 2010-2014. The method of this research is using multiple regression model with IBM SPSS Statistics 22 program to analyze the effect of independent variables to the dependent variable.            The result shows that the deposit interest rate and the cost of the loanable funds have positive and significant effect to the base lending rate. However, reserve requirements and third party funds does not affect to base lending rate. These results proved that high interest rates on time deposits are the bank's strategy to increase market share of time deposits which is bank's largest sources of funding and the component that has the biggest influence on BLR is COLF amounted to 33.79% of the components that form BLR.