[ABSTRAK
Tingkat suku bunga kredit yang tinggi dan berbeda oleh setiap bank menjadi salahsatu masalah bagi debitur untuk memperoleh kredit. Perlambatan pertumbuhankredit terjadi pada sektor korporasi. Di tahun 2011, Bank Indonesia melakukanimplementasi kebijakan yang mewajibkan bank untuk mempublikasikan sukubunga dasar kredit yang bertujuan untuk menurunkan suku bunga kredit agardapat mengendalikan suku bunga kredit dan mendorong sektor riil. Tujuandilakukannya penelitian ini adalah untuk mengetahui karakteristik bank dan faktormakroekonomi yang mempengaruhi suku bunga dasar kredit bank di Indonesiaperiode tahun 2011-2014. Jenis bank yang digunakan dalam penelitian ini adalahbank yang telah tercatat di Bursa Efek Indonesia yang berjumlah 19 bank.Variabel independen yang digunakan dalam penelitian ini adalah karakteristikbank yang terdiri dari variabel ukuran bank, rasio NPL, rasio likuiditas, LDR,Efficiency Ratio, dan faktor makroekonomi yaitu BI rate dan tingkat inflasi.Variabel dependen dalam penelitian ini adalah suku bunga dasar kredit. Metodeanalisis yang digunakan yaitu panel data analysis. Hasil penelitian menunjukkanbahwa ukuran bank berpengaruh secara signifikan terhadap suku bunga dasarkredit. Semakin rendah ukuran bank dilihat dari total aset, semakin tinggi sukubunga dasar kredit. Faktor makroekonomi yaitu BI rate dan inflasi jugaberpengaruh signifikan terhadap suku bunga dasar kredit. Semakin tinggi BI rateyang ditetapkan oleh Bank Indonesia maka semakin tinggi suku bunga dasarkredit yang diterapkan oleh bank. Sedangkan tingkat inflasi berpengaruh negatifterhadap suku bunga dasar kredit. Semakin tinggi tingkat inflasi, semakin rendahsuku bunga dasar kredit.
ABSTRACT
The high rate and the difference of lending interest rate by each bank become oneof problematic issue for the debtors to obtain the debt. The slowly growth ofcredit happened in corporation sector. In 2011, Bank Indonesia implementedpolicy which obligate banks to publish their prime lending interest rate as apurpose to lower lending interest rate so that the interest could be controlled andencourage riil sector. The aim of this research is to recognize the characteristic ofbank and macroeconomy factor which affect the prime lending interest rate oflisted bank in Indonesia for 2011 to 2014. The category of research object is listedbank in Indonesia Stock Exchange which total 19 banks. Independent variableused in this research are the characteristic of bank consist of bank size, NPLRatio, Liquidity Ratio, LDR, Effeciency Ratio, and also macroeconomy factorconsist of BI Rate and Inflation. Dependent variable examined in this research isthe prime lending interest rate. Analytical method used in this research is paneldata analysis. The estimated result of this research is the bank characteristic whichhas significant influence against prime lending interest rate is the size of bank.The smaller size of bank based on total assets, the higher prime lending interestrate. Macroeconomy factor such as BI rate and inflation, also have significantinfluence against prime lending interest rate. The higher BI rate, the higher primelending interest rate. The inflation has negative significant influence against primelending interest rate. The higher inflation, the smaller prime lending interest rate, The high rate and the difference of lending interest rate by each bank become oneof problematic issue for the debtors to obtain the debt. The slowly growth ofcredit happened in corporation sector. In 2011, Bank Indonesia implementedpolicy which obligate banks to publish their prime lending interest rate as apurpose to lower lending interest rate so that the interest could be controlled andencourage riil sector. The aim of this research is to recognize the characteristic ofbank and macroeconomy factor which affect the prime lending interest rate oflisted bank in Indonesia for 2011 to 2014. The category of research object is listedbank in Indonesia Stock Exchange which total 19 banks. Independent variableused in this research are the characteristic of bank consist of bank size, NPLRatio, Liquidity Ratio, LDR, Effeciency Ratio, and also macroeconomy factorconsist of BI Rate and Inflation. Dependent variable examined in this research isthe prime lending interest rate. Analytical method used in this research is paneldata analysis. The estimated result of this research is the bank characteristic whichhas significant influence against prime lending interest rate is the size of bank.The smaller size of bank based on total assets, the higher prime lending interestrate. Macroeconomy factor such as BI rate and inflation, also have significantinfluence against prime lending interest rate. The higher BI rate, the higher primelending interest rate. The inflation has negative significant influence against primelending interest rate. The higher inflation, the smaller prime lending interest rate] |
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