ABSTRAK
Penelitian ini bertujuan untuk menganalisis pengaruh penetapan capital requirementterhadap perilaku pinjaman dan deposito bank konvensional dan bank syariah diIndonesia periode 2005-2013. Teknik yang digunakan pada estimasi penelitianmenggunakan fixed effect model dan random effect model. Penulis menemukan bahwapenetapan capital requirement memiliki pengaruh positif terhadap pertumbuhanpinjaman baik pada bank konvensional maupun bank syariah di Indonesia. Sedangkanpenetapan capital requirement hanya memiliki pengaruh positif terhadap pertumbuhandeposito bank konvensional. Hal tersebut mengimplikasikan bahwa secara umumpeningkatan modal bank dapat meningkatkan pertumbuhan pinjaman dan depositobank konvensional dan bank syariah.

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ABSTRACT
This research is aimed to analyze the effect of capital requirement policy on loan anddeposit behaviors of Indonesian conventional and Islamic bank in 2005-2013. Fixedeffect model and random effect model are used in the estimation. Researcher found thatcapital requirement has a positive effect on loans growth in both conventional andIslamic banks in Indonesia. However, it is found that capital requirement only has apositive effect on deposits growth in conventional banks. These findings suggest thatchanges in bank capital generally influenced an increase in loans and deposits growthof both conventional and Islamic banks.