Analisis Pengaruh Tingkat Suku Bunga dan Inflasi Terhadap Jumlah Deposito Berjangka di Sumatera Utara
Drs. Iskandar Syarief, MA
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One way to investigate how large the role of banking as a financial institution by looking the position of time deposit. Time deposit of North Sumatera during period of 1990-2003 in general show increase, just at the period gap in 1997-1998 had happened the fluctuation which high enough. This matter is caused by the condition of Indonesia during this period where in monetary crisis. The target of this research are to know how large inflation rate factor and rate of interest influence the total of time deposit. Besides, the researcher was expected the combination of time deposit as a dependent variable and inflation rate and interest rate as an independent variables give picture how importance both of independent variables in the growth of time deposit. This research expected can be used as input to banking of North Sumatera especially to determine the policy related to time deposit. Based on research finding, that inflation and interest rate are able to explain 96,5% the total of time deposit, while about 3,5% explained by other variables. The rate of interest give real influence to the total of time deposit, while inflation rate do not have an effect of reality to increase the total of time deposit, partially. But if it tested collectively of equal obtained the value of inflation rate and rate of interest have given real influence to the total of time deposit. This matter have caused the value of money become decline, so that make the society will make a priority to keep their money at bank on the basis of obtained profit. It is important to know how it could be happened, the level of inflation in North Sumatera are smaller than inflation rate in Indonesia This matter become the reason why increase of inflation only give small influence to the total of time deposit in the North Sumatera.
- SP - Economic Development