Pengaruh Tingkat Suku Bunga, Inflasi dan Indeks Harga Saham Gabungan Terhadap Jumlah Deposito Berjangka PT Bank Rakyat Indonesia

A’imatul Hasanah1 Eka Yudhyani2 Andi Indrawati3

Abstract


This research is motivated by a significant decline in time deposits at PT Bank Rakyat Indonesia after the COVID-19 pandemic, raising questions about the factors influencing public decisions in placing their funds. The purpose of this research is to analyze the influence of Interest Rates, Inflation, and the Composite Stock Price Index (IHSG) on time deposits at PT Bank Rakyat Indonesia Gajah Mada Samarinda Branch during the 2019-2023 period. The results of this study are expected to provide insights for bank management in formulating more effective policies to attract customers.

The theoretical basis used is financial accounting as proposed by Martini (2018:8), which states that financial accounting is oriented toward external reporting.

This research is quantitative in nature. The analytical method used is Multiple Regression Analysis and t-Test using SPSS software.

The results of the study show that Interest Rates do not have a significant effect, Inflation does not have a significant effect, and the Composite Stock Price Index has a significant effect. Based on the research findings, it is recommended that PT Bank Rakyat Indonesia pay more attention to the dynamics of the Composite Stock Price Index (IHSG) as a significant factor influencing customers' decisions regarding placing funds in time deposits. Given that the IHSG has been proven to have a significant influence, the bank needs to develop marketing strategies that are more responsive to stock market conditions. These strategies may include more flexible product innovations tailored to the needs of customers who want to balance stock market risks with the security of investment in deposits.


Keywords


Jumlah Simpanan Deposito, Tingkat Suku Bunga, Inflasi, Indeks Harga Saham Gabungan

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References


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Sholikha, A. F. (2018). Pengaruh Tingkat Suku Bunga, Tingkat Bagi Hasil, Likuiditas, Inflasi, Ukuran Bank, dan Pertumbuhan Produk Domestik Bruto terhadap Deposito Mudharabah Bank Umum Syariah di Indonesia. El-Jizya : Jurnal Ekonomi Islam, 6(1), 1–22. https://doi.org/10.24090/ej.v6i1.2045

Farizi, F. Al, & Riduwan, A. (2016). Pengaruh inflasi, suku bunga, likuiditas, dan bagi hasil terhadap deposito mudharabah. Jurnal Ilmu Dan Riset Akuntansi (JIRA), 5(4), 1–16.

Mirza, A., & Nasir, A. (2011). Pengaruh Nilai Kurs, Inflasi, Suku Bunga Deposito Dan Volume Perdagangan Saham Terhadap Return Saham Pada Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia. Jurnal Ekonomi Universitas Riau, 19(04), 8864.

Padmi, N. L. M. S., Purnami, A. A. S., & Azis, I. S. A. (2022). Pengaruh Produk Domestik Regional Bruto (PDRB) dan Tingkat Inflasi Terhadap Jumlah Deposito Berjangka Pada Bank Umum di Provinsi Bali Periode 2014-2019. Warmadewa Economic Development Journal (WEDJ), 5(1), 19–24. https://doi.org/10.22225/wedj.5.1.2022.19-24

Purba, M. L., Zalukhu, J., & Sihotang, J. (2021). Analisis Pengaruh Pdb Riil Per Kapita, Inflasi Dan Tingkat Suku Bunga Terhadap Jumlah Deposito Berjangka Pada Bank Umum (Bank Persero) Di Indonesia Tahun 2005-2019. Journal of Economics and Business, 2(1), 61–70. https://doi.org/10.36655/jeb.v2i1.496

PUTRA, R. J. (2019). Pengaruh Suku Bunga Deposito, Inflasi Dan Pendapatan Per Kapita Terhadap Simpanan Deposito Pada Bank Umum Konvensional Di Provinsi Aceh. Akbis: Media Riset Akuntansi Dan Bisnis, 2(2), 71–85. https://doi.org/10.35308/akbis.v2i2.934

Sholikha, A. F. (2018). Pengaruh Tingkat Suku Bunga, Tingkat Bagi Hasil, Likuiditas, Inflasi, Ukuran Bank, dan Pertumbuhan Produk Domestik Bruto terhadap Deposito Mudharabah Bank Umum Syariah di Indonesia. El-Jizya : Jurnal Ekonomi Islam, 6(1), 1–22. https://doi.org/10.24090/ej.v6i1.2045




DOI: https://doi.org/10.31293/jma.v14i1.8932

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