ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI TINGKAT SUKU BUNGA DEPOSITO BANK UMUM DI INDONESIA TAHUN 2007 – 2010

Abstract

The frequently change of banking situation causing the fluctuation of commercial bank’s time deposit interest rate. The purpose of this study is to analyze the effects of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Return On Asset (ROA) toward Time Deposit Interest Rate of Commercial Bank in Indonesia. Population of this study is all of commercial bank in indonesia. There are 121 bank that were included. The sample determining method to be used is census method, where the number of sample is equal to the number of population. The data in this study is secondary data that is inflation rate and commercial bank financial performance on 2007 – 2010 obtained from Indonesian Monetary Economic Statistics (SEKI) and Indonesian Banking Statistics (SPI) that had been published by Bank Indonesia. To complement the results, this research also use many references from other relevant data source such as journals, former research and relevant publications to this research. This research proved that inflation rate, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Return On Asset (ROA) simultaneosly have significant effect to Time Deposit Interest Rate of Commercial Bank in Indonesia. Whereas the variables that partially have significant effect are inflation rate, Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR), while Return On Asset (ROA) variable didn’t have significant effect.