IRWANTO, Deni (2018) The Effects of BI Rate, Inflation Rates, Exchange Rates and Money Supply on Investment Interest Rates at Commersial Banks in Indonesia (The Case of Indonesian State Banks and Private Banks, Period 2009 – 2015). Skripsi thesis, Universitas Jenderal Soedirman.

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Abstract

This study discusses the interest rates through monetary instrument in the Central Bank, which aims to determine the effect and relationship of both. The hypothesis of this scientific paper is the Effect of BI Rate, Inflation Rate, Rupiah Exchange Rate, and Money Supply (M2) on Investment Interest Rate at Commercial Banks in Indonesia (The Case of Indonesia State Banks and Private Banks from January 2009 - December 2015 period). This study was conducted data collection from Bank Indonesia with a sample of 84 data series from January 2009 to December 2015. The data were analyzed by statistical analysis using multiple linear regression and elasticity. The data inputted to analyze is the data ∆ (change) of each variable. The findings in this research are, First, there is a positive and significant effect between the BI rate with interest rate of investment at State Banks and Private Banks each of 0.289 and 0.204. Second, the Inflation Rate has a negative and significant effect on investment interest rate at State Banks is (-0.042), but inflation in Private Banks has no effect on investment interest rate of 0.025. Third, the amount of the rupiah exchange rate does not effect investment interest rate at State Banks is 0.029 and Private Banks is 0.028. Fourth, while M2 has a significant negative effect on investment interest rate at Private Banks is (-0.673), on the other side of State Banks has no effect on investment interest rate of 0.267. Simultaneously all independent variables have a significant effect on interest rate of investment at State Banks and Private Banks in Indonesia. The elasticity analysis shows that the most dominant elastic result is in the BI Rate variable to interest rate of investment in State Banks, whereas in Private Banks is the money supply, but theoriesly that BI rate as one of the main monetary instruments in the central bank which is quite influential in its spread.

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