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Presented by : hidayat kusamanto
207.02.018
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BACKGROUND
For knowing impact of interest rates of indonesian bank toward economic growth in
indonesia especially toward syariah banking asset
As we know, indonesia rule or law is so different with syariah system, even though
most of moslem in the world is indonesia but rules or laws that being applied in
indonesia not islam rules. Why? because our country is not islam country and we have
to respect to others, because we have so many cultures, and this respect is called
bhineka tunggal ika. Even though islam ask us for respecting others but It doesnt
mean that we have to follow their rules. This problem is happening in indonesia., mostof moslem in indonesia would rather do system capitalism than syariah system.
Especially in financing system. They have been thinking that capitalism can give them
more advantage than syariah system. This advantage is called interest rates ( riba )
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Based on above the background mentioned,and here are some suggested about problem formulationfor this research:
Is there any influence between interest rate of Is there any influence between interest rate of indonesiaindonesia bankbank
towardtoward syariahsyariah banking asset .banking asset .
How great influence of interest rate of How great influence of interest rate of indonesiaindonesia bank towardbank towardSyariahSyariah banking assetbanking asset
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1st
A ccording toA ccording to Munawir Munawir (2002:30)(2002:30) assets is a means or economic resourcesassets is a means or economic resourcesowned by a business entity or company that cost or fair value should beowned by a business entity or company that cost or fair value should bemeasured objectively.measured objectively.
Wikipedia assets are economic resources. A nything tangible or Wikipedia assets are economic resources. A nything tangible or intangible that is capable of being owned or controlled to produceintangible that is capable of being owned or controlled to producevalue and that is held to have positive economic value is consideredvalue and that is held to have positive economic value is consideredan assetan assetIAI A ssets are tangible assets acquired in a form ready for use or toIAI A ssets are tangible assets acquired in a form ready for use or tobe built first, which is used in company operations, not intended for be built first, which is used in company operations, not intended for sale within the framework of the normal activities of the company andsale within the framework of the normal activities of the company andhas a useful life of more than one year. "has a useful life of more than one year. " ..
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2nd
iislamicslamic Banking is anything that concerns about IslamicBanking is anything that concerns about IslamicBanking and Islamic Business Unit, coveringBanking and Islamic Business Unit, coveringinstitutional, business activities, as well as the manner institutional, business activities, as well as the manner and process in conducting their business activities.and process in conducting their business activities.
According to Law No. 21 In 2008 the Islamic Bank is a Bank that According to Law No. 21 In 2008 the Islamic Bank is a Bank that
is running its business based onis running its business based on syariahsyariah principles and accordingprinciples and accordingto the type composed of Islamic Banks and Bank Rakyatto the type composed of Islamic Banks and Bank Rakyat Syariah SyariahFinancingFinancing
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Interest rateInterest rate
According to Karl and Fair (2001: 63 5) argues the interest rate According to Karl and Fair (2001: 63 5) argues the interest rateis the annual interest payments of a loan in the form of ais the annual interest payments of a loan in the form of apercentage of loans obtained from the amount of interestpercentage of loans obtained from the amount of interest
earned each year divided by the number of loansearned each year divided by the number of loans According to According to LipseyLipsey, , RagantRagant and Courant (1997: 471 ) interestand Courant (1997: 471 ) interestrate is the price paid for units of the currency borrowed from arate is the price paid for units of the currency borrowed from acertain time period.certain time period.
According According NopirinNopirin (1992:17 6 ) function of interest rates in the(1992:17 6 ) function of interest rates in the
economy: allocation of production factors to produce goodseconomy: allocation of production factors to produce goodsand services that are used now and in the future.and services that are used now and in the future.
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HYPOTHESISHYPOTHESIS
HH00 = there is no any influence interest rates of = there is no any influence interest rates of indonesiaindonesia bank towardbank towardsyariahsyariah banking assetbanking asset
HH : there is an influence between interest rates of : there is an influence between interest rates of indonesiaindonesia bank andbank andsyariahsyariah banking assetbanking asset
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Data which obtained are come from :
METHODOLOGY DATA
Official website of indonesia bank
Syariah banking statistic
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D I S C U S S I O N
Table 4.1 representative data for interest rates of indonesia bank
No BulanBI Rate Tahun
200 5 200 6 2007 2008
1 Januari - 12.7 5% 9.50% 8.00 %
2 Februari - 12.7 5% 9.2 5% 8.00 %
3 M aret - 12.7 5% 9.00 % 8.00 %
4 April - 12.7 5% 9.00 % 8.00 %
5 M ei - 12. 50% 8.7 5% 8.2 5%
6 Juni - 12. 50% 8.50% 8. 50%
7 Juli 8. 50% 12.2 5% 8.2 5% 8.7 5%
8 Agustus 8.7 5% 11.7 5% 8.2 5% 9.00 %
9 September 10.00 % 11.2 5% 8.2 5% 9.2 5%
10 Oktober 11.00 % 10.7 5% 8.2 5% 9. 50%
11 November 12.2 5% 10.2 5% 8.2 5% -
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TabelTabel 4.34.3DeskripsiDeskripsi StatistikStatistik SukuSuku BungaBunga Bank IndonesiaBank Indonesia dandan PerbankanPerbankan
SyariahSyariah
Keterangan B I R ateA set Perbankan Syariah
(Juta R upiah)
Mean 9,84% 29.207.728
Median 9,13% 28.028.692
Standar Deviasi 0,017556571 8659490,435
Max 12,75% 46.281.660
Min 8,00% 17.839.625
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R egression
777! 22 X X N
Y X XY N b
515.5039062-39.96%*40
1351,168,309,393.75%3111,150,54*40!b
0.48084375
9154195501.-!b
.9-320676938!b
407! x
bY a
40
4471,262,665,-1351,168,309,!a
40
5822,430,974,!a
560774364.5!a
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P ersamaan regresi
Y = a + bX
Y = 6 0,77 4,36 5 - 3 20 6 76 93 8.9 X
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korelasi
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2222
777!
Y Y N X X N
Y X XY N r
0,000234,924,451,364,946,00,082,554,237,048,140*40515.5039062-39.96*401351,168,309,393.753111,150,54*40
!r
0,000234,924,451,364,946,0,000603,302,171,481,925,515.5039062-15.98475
46002172194446021717!r
0008,377,722,116,979,360.48084375
9154195501.-!r
7342022467.*0.69342898
9154195501.-!r
8237168290.
9154195501.-!r
67-0.6501522!r
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t hitung
17
21
2hitt
r
nr !
42.01
24065.0hitt !
58.0
16.665.0hitt
x!
76.0
004.4hitt !
26.5hitt !
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dk = n 2= 40 2 = 3 8
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-- 2.02272.0227 2.02272.0227Gambar Gambar IV . 1IV . 1
Hasil uji t : Ho ditolak
Ho Ditolak Ho Ditolak
Ho diterima
26.5
Determinant coefisien
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C ON C LUSSION
Indonesian bank interest rate gives contribution towardsyariah banking asset as much as 42%. This value is
big enough for showing that Indonesian bank interestrate give big influence enough toward syariah bankingasset.
The r e is a nega tiv e inf luence r ela ti on be tween int er est r at e ofindo nesia bank t oward syar iah bank ing ass et
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implication
Islamic banks have been more optimal mediumdevelop more existing assetsslamic banks currently and has entered a newprogram in a more accurate mapping of the potentialmarket.
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S U g g e st i O n
1. Bank Indonesia should provide an
explanation of the superiority of Islamicbanks in Indonesia to the general public2. The existence of socialization and education
of the public3. To provide convenience to customers in
various ways. Among the ease of saving,ease of doing borrowing. In another sense,that syariah banking is true - true thatpeople can prosper.
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Thank you for paying attention Thank you for paying attention