ANALISIS TERHADAP DETERMINAN SPREAD SUKU BUNGA BANK UMUM DI INDONESIA PERIODE 2009-2013
ABSTRACT: This study was aimed
to know the effect of dependent variable, spread of public bank rate in
Indonesia period 2009-2013.Multiple linear regressions with model of least
quadrat estimation were used as analysis tool. In the model equation, spread
rate of interest (interest rates on loans and interest rates on savings) was a
dependent variable, and then the independent variable was BI rate, ROA, NPL,
and SIBOR.The result of this current study showed that BI rate and ROA had a
negative effect and significant on spread rate of interest, whereas NPL and
SIBOR had a positive effect and significant on spread rate of interest. Simultaneously,
BI rate, ROA, NPL, SIBOR influence the spread rate of interest. Meanwhile,
trial on classic assumption showed that all regressions had pulled through from
classic assumption (autocorrelation, heterocedasticity, multicollinearity).
Coefficient determination (R2) of regression interest rate spread was 0,708181
or 70.82%. it showed that independent variable consist of BI rate, ROA, NPL,
and SIBOR clarified the changing of dependent variable interest rate spread as
big as 70.82%, whereas the remaining 0.29% was clarified by other variable that
is not included in estimation model.
KEYWORDS: BI rate, Return on
Asset, Non Performing Loan, Singapore interbank offering rate
Penulis: Linda Ratna Sari
Kode Jurnal: jpmanajemendd151557
