Pengaruh Suku Bunga Dan Nilai Tukar Terhadap Kebutuhan Penyediaan Modal PT. Bank Mandiri (Persero) Tbk.

Abstract

Capital is needed by a bank to operate their goals to get the profit. The consequence is that the bank must using it efficiently to allocate the lower cost of fund. High interest rates and foreign exchange which can depreciated greatly causing banking get a negative spread condition, where the loss is more than the capital that they have. Interest cost for funds collecting by bank that the one is time deposit higher than the interest income from credit. In facing that condition, PT Bank Mandiri (Persero) Tbk. as a biggest assets devisa bank merge from four banks for seven years try to balance the fair net interest margin achievment between interest cost and interest income to avoid from the negative spread. For that reason, PT Bank Mandiri (Persero) Tbk has always to keeps its fair liquidity which means to fulfillment soon their obligation and also able to get the maximum rentability. This research response issue about knowing interest rates and foreign exchange factors influencing the capital supplies needs. The object in this research is capital supplies needs of PT Bank Mandiri (Persero) Tbk. while those selected to be the samples are the the time deposits monthly financial reports and the foreign exchange for period from Januari 2002 until December 2005. Hypothesis testing was done through the multiple regression analysis and prior to that a classic assumption test including normality, molticoliniearity, heteroscedasticity, and auto-correlation test was conducted. The findings of this study reveal that the interest rates and foreign exchange factors for time deposit simultaneously influence the capital of supplies needs. While the variables of foreign exchange factors not influence. Further, it is found out that the most dominant factor influencing the capital supplies needs is interest rates factor through time deposit. The contribution of model in analyzing the influence of its independent variables is shown for time deposit by the value of R² (0.879). Therefore, it is suggested that further study including other variables which can theoretically influence capital supplies needs, needs to be conducted.