PENGARUH SUKU BUNGA, JUMLAH PERUSAHAAN DAN PERTUMBUHAN EKONOMI TERHADAP PENYALURAN KREDIT MODAL KERJA BAGI UMKM DI SUMATERA SELATAN
SEKOLAH TINGGI ILMU MANAJEMEN AMKOP PALEMBANG
Jalan Letnan Murod No. 55, Talang Ratu KM 5, Palembang 30127
To develop micro, small and middle bussiness (MSMB) depend on Working Capital Credit (WCC). WCC depends on interest rate, the amount of company and economic growth. This study aimed to analize the effect of interest rate, the amount of company and economic growth on Working Capital Credit of MSMB in South Sumatera. To process the data used instrument statistic program of Eviews 7.2 application that will give numeric output. This study used pooled data regression test with Ordinary Least Square (OLS) and using two estimation approaches: Fixed Effect model and Random Effect model. Besides, to examines the two models, it was used Hausman Test. The result showed that interest rate has positive influence to MSMB in villages/cities in South Sumatra Province with amount of interest rate 0.311346 and probability 0.0245 because the interest rate at that time was subsidized by government, so eventhough the interest rate was high people did not get trouble to borrow money in the bank. Economic growth has positive and significant influence to MSMB as amount 1.077473 because if economic growth increases so people income will increase, then the consume will increase and the output will increase too.
Keyword : interest rate, amount of firm, economic growth
19315463474_Tien Yustini (Full Text)
RIBA DAN PEMBIAYAAN DALAM KONSEP HINDU
I Nyoman Nugraha Ardana Putra
Jurusan Manajemen, Fakultas Ekonomi dan Bisnis Universitas Mataram
Majapahit No. 62 Mataram, NTB (83125)
This research aimed to explorer usury and financing concept of hinduism by hermeneutic research. In order that, data collection in this research used documentation in hinduism manuscript as Manawa Dharmasastra and Artha Sastra. Data validation using indeepth the interview conducted literary expert, Hindu philosopher and humanist. The result shows that the concept of usury is the way of financing not opposite with dharma and financing in Hinduism actually explain the interest rate 2 percent until 5 percent.
Key word : Usury, Financing, Hinduism, Interest Rate
19315488496_I Nyoman Nugraha AP (Full Text)
THE IMPACT OF GLOBAL ECONOMIC CONTRACTION TOWARDS
LENDING BEHAVIOR OF BANKS IN INDONESIA
Prodi Manajemen Fakultas Ekonomi Universitas Mulawarman Samarinda
Jl. Tanah Gerogot Kampus Gn.Kelua Samarinda, 75123, Indonesia
Korespondensi dengan Penulis:
Rizky Yudaruddin: Telp. +62 541 738 913; Fax. +62 541 738 916
The global financial crisis of 2008 that hit many countries had become an important concern, especially the banking industry in Indonesia. This was because first, the experience of the economic crisis of 1997-1998. Second, the nature of the crisis could spread to other countries. So this study aimed to examine empirically the impact of the global economic contraction on the behavior of bank credit in Indonesia. Using panel data source from the Word Bank and Bank Indonesia Year 2004-2012, the data were analyzed with Dynamic Panel Data using E-views program 8. The results showed that the global economic contraction had a significant effect on the behavior of credit in foreign and joint venture banks in Indonesia in 2004-2012.
Keywords: credit behavior, crisis, interest rate, global economic contraction
19215305313_Rizky Yudaruddin (Full Text)
TINGKAT SUKU BUNGA BANK KONVENSIONAL DAN KOMITMEN NASABAH MENABUNG DI BANK SYARIAH
Jurusan Ekonomi Islam Fakultas Syariah IAIN Walisongo Semarang
Jl. Walisongo 3-5 Jrakah Semarang, 50185.
Korespondensi dengan Penulis:
Muchlis Yahya: Telp. +62 24 760 6405
The objective of this study was to analyze interest factors toward customers’ saving behavior of shariah banking. Shariah banking customers were divided into Moslem customers that only saved money at shariah bank (n1), Moslem customers that saved money both in shariah and conventional banks (n2), non-Moslem customers (n3). This study used primary data through questionnaires distributed to 400 people gotten from 295.498 customers of shariah bank in Central Java. Then the customer data was analyzed by using logit model. For groups of customers’ n2 and n3, the interest rate had a significant negative effect on the commitment to invest in shariah banks. However, for n1, the interest rate did not affect anything. n1 customers developed relationship with shariah bank because of religion ideology motive. The result showed that n2, n3 customers had rational-economic mindset, whereas n1 customers had emotional-ideology mindset. This result showed that shariah banking customers were dominated by customers that had rational-economic character. The opening of disagreement about the bank interest which was not usury and which was supported by only some socio-religious organizations like NU and Muhammadiyah could be an important factor the growth of Islamic banking.
Key words: shariah bank, interest rate, emotional-ideology, rational-economic.
PERKEMBANGAN PERBANKAN DAN PROBLEM INTERMEDIASI
Abdul Manap Pulungan
Badan Supervisi Bank Indonesia (BSBI)
Ahmad Erani Yustika
Fakultas Ekonomi dan Bisnis – Universitas Brawijaya
Jl. MT.Haryono No.165 Malang, 65145.
Korespondensi dengan Penulis:
Ahmad Erani Yustika: Telp. +62 341 418 871
E-mail: firstname.lastname@example.org; email@example.com
After economy crisis in 1997/1998, gradually banking intermediation had held its function again although until now it was still far from what it was hoped. Some banks had already fulfilled the regulation of Indonesia Bank to give credit more than 78% (LDR), but there were still many banks that had not fulfilled the regulation. The factors of high interest rate, banking efficiency, and economy infrastructure availability were considered as the factors that impeded the banking intermediation function. Not all those problems belonged to Indonesia Bank. However, some of them were the homework for government (like economy infrastructure supplying). Thus, cooperation between Indonesia Bank and government was something that had to be done to finish the problem. Besides, there were other problems that needed to be paid attention in bank performance that was gradually better. They were: (1) banking credit which was farther from real sector (agriculture and industry); (2) credit which was not evenly distributed in all areas (3) savings dominated by short term fund; (4) banking structure which tended oligopoly; and (5) most savings or fixed deposits which were dominated by few account owners.
Key words: intermediation function, credit, interest rate, real sector, Indonesia Bank