Hidayat Presentation

8/6/2019 Hidayat Presentation

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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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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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