Hasil Pencarian  ::  Simpan CSV :: Kembali

Abstrak :
Penelitian ini bertujuan untuk mengetahui komponen penyusun yang paling mempengaruhi Suku Bunga Dasar Kredit bank. Suku bunga kredit tidak kunjung turun disisi lainnya kenaikan Net Interest Margin Bank yang tidak diimbangi dengan pertumbuhan penyaluran kredit mengindikasikan bank menaikkan suku bunga kredit untuk mencapai NIM yang diharapkan bank. Peraturan mengenai publikasi Suku Bunga Dasar Kredit Bank yang dilaporkan belum tersupervisi dengan baik ditandai dengan nilai SBDK bank yang dilaporkan oleh bank yang tidak berubah dalam rentang waktu lebih dari setahun. Komponen penyusun Suku Bunga Dasar Kredit terdiri dari Cost Of Loanable Fund COLF , Overhead Cost OC , Spread, Tax, dan Cadangan Kerugian Penurunan Nilai CKPN. Dalam penelitian ini metode perhitungan dari setiap komponen dan Suku Bunga Dasar Kredit yang dihasilkan melalui pendekatan teori yang bersumber dari laporan keuangan bank. Sampel dalam penelitian ini terdiri tiga bank masing-masing BUKU 1, BUKU 2, BUKU3, BUKU 4, sehingga jumlah bank sampel yang digunakan berjumlah 12 bank dengan menggunakan laporan keuangan periode 2011-2015. Hasil penelitian menunjukkan bahwa spread yang menjadi komponen yang paling mempengaruhi Suku Bunga Dasar Kredit bank. Sulitnya menurunkan suku bunga dasar kredit, hasil penelitian yang menunjukkan bahwa Spread paling mempengaruhi Suku Bunga Dasar Kredit serta tidak dilakukannya pengawasan yang dilakukan regulator memperkuat dugaan adanya kartel dalam penetapan suku bunga dasar kredit. ...... This study aims to determine of the most composition that affecting bank rsquo s Prime Lending Rate. The bank rsquo s lending rate are not decrease and the increase of bank rsquo s Net Interest Margin NIM not compensated with the growth of credit distribution indicated that bank increase the lending rate for raising the NIM that banks expected. On the other side, the lending rate that not decrease will affect the industry is still dominated by capital sourced from bank loan. Publication of Prime Lending Rate by bank is one of effort to decrease the bank rsquo s lending rate by the regulator government. But the report not provide accurate data. Some indication of the inaccuracies of the report looks at unchanged figure lending rate within a period over the year and they occur in the majority banks that have large capital are classified in BUKU 4 and BUKU 3 and also there is an ambiguity regarding the segmentation of credit that specified in the regulations, as well as a statement of the regulator that both BI or OJK that this report is not performed supervision. Thus in this study the method of calculation of each component and the base lending rate of credits generated through theoretical approach derived from the yearly financial statements of bank. The sample of this study consists of bank BUKU 1, BUKU 2, BUKU 3, BUKU 4 that consists of three banks each classes within use the financial statements of the period 2011 2015. The components of bank prime lending rate consists of Cost of Loanable Fund COLF , Overhead Cost OC , Spread, Tax, Reserve of Impairment Loss. The results showed that the spread or profit into component that most bank rsquo s prime lending rate. The difficulty of lowering the prime lending rate and the results of studies shows that most influence lending rate is related to profit and there is no strengthen the supervision performed by the regulator, confirming allegations cartel in setting lending rate.

Abstrak :
Di Indonesia, usaha mikro, kecil, dan menengah UMKM memiliki peran sangat penting dan strategis dalam perekonomian. Ini ditunjukkan dengan kontribusi sektor usaha tersebut terhadap produk domestik bruto PDB yang hampir mencapai 60 dan penyerapan tenaga kerja di atas 95 . Kendati demikian, akses pelaku UMKM mdash;terlebih usaha mikro UMi mdash;terhadap pendanaan bank masih sangat terbatas. Dari total kredit yang dikucurkan oleh bank umum di Tanah Air hingga Mei 2013, hanya 19,47 yang disalurkan untuk sektor UMKM. Dari jumlah tersebut, yang dikucurkan untuk usaha mikro tercatat hanya 3,68 dari total kredit. Sementara itu, bagi pelaku UMKM yang mendapatkan akses pun harus membayar suku bunga pada level yang jauh lebih tinggi. Selain inefisiensi di industri perbankan nasional, ditengarai hal itu terjadi karena adanya masalah asymmetric information. Merespons kondisi ini, Bank Indonesia BI kemudian mewajibkan bank untuk mempublikasikan suku bunga dasar kredit SBDK mikro mereka sebagai upaya memitigasi masalah asymmetric information itu. Berikutnya, suku bunga diharapkan turun dan akses pelaku UMKM terhadap kredit semakin terbuka. Dengan menggunakan regresi linier berganda dengan metode OLS ordinary least square , penelitian ini bertujuan mengkaji efektivitas kebijakan SBDK itu dengan melihat pengaruhnya terhadap outstanding penyaluran kredit mikro bank umum. Hasil Uji-t menunjukkan adanya pengaruh yang signifikan kebijakan pengumuman SBDK terhadap kenaikan outstanding penyaluran kredit mikro bank umum. Di samping itu, terdapat variabel lain yang berpengaruh signifikan terhadap kenaikan outstanding penyaluran kredit mikro bank umum, yakni rata-rata suku bunga kredit mikro, CAR, NPL kredit mikro, inflasi, dan indeks produksi manufaktur IPM. ...... Micro, small and medium sized enterprises SMEs has very important and strategis role in economy of Indonesia. Those are shown by business sector 39 s contribution of gross domestic product GDP is nearly 60 and employment above 95 . Nevertheless, SMEs access mdash especially to micro enterprises mdash to bank financing is still very limited. Total loans disbursed by commercial banks in the country, until May 2013, only 19.47 that channeled to the SMEs sector. Of these, recorded that the disbursed of micro enterprises only 3.68 of total loans. Not only that, to gain access for the perpetrators of SMEs, they must pay interest rates at a level that is much higher. In addition to inefficiencies in the national banking industry, it is suspected that occurs because of the asymmetric information problem. Respond to these conditions, Bank Indonesia BI then require banks to publish their prime lending rate SBDK of micro loan as an effort to mitigate the asymmetric information problem. Next, interest rates are expected to go down and SMEs access to credit become more open. By using multiple linear regression with OLS ordinary least square , this study aims to assess the effectiveness of measures the prime lending rate by looking at its effect on micro outstanding loan portfolio of commercial banks. The test result indicate a significant effect on prime lending rate policy announcement for the increasing in micro loans outstanding of commercial banks. In addition, there are other variables that significantly influence the increasing in outstanding microcredit of commercial banks, i.e. average interest rates on microcredit, CAR, NPL of microcredit, inflation, and the manufacturing production index HDI.