Pengaruh Tingkat Suku Bunga Simpanan Terhadap Cost Of Fund pada PD. BPR Bank Buleleng 45 Tahun 2011-2013

Abstract

Penelitian ini bertujuan untuk mengetahui (1) pengaruh tingkat suku bunga tabungan terhadap cost of fund, (2) pengaruh tingkat suku bunga deposito terhadap cost of fund, dan (3) besar pengaruh tingkat suku bunga simpanan tabungan dan deposito terhadap cost of fund pada PD. BPR Bank Buleleng 45 tahun 2011-2013. Jenis penelitian adalah penelitian kuantitatif yang bersifat ex post facto. Data dikumpulkan dengan metode wawancara dan dokumentasi yang selanjutnya dianalisis dengan teknik analisis linear berganda. Hasil penelitian pada PD. BPR Bank Buleleng 45 tahun 2011-2013 menunjukkan (1) tingkat suku bunga tabungan berpengaruh positif dan signifikan terhadap cost of fund dengan nilai t hitung = 10,527 > t tabel = 1,697, (2) tingkat suku bunga deposito berpengaruh positif dan signifikan terhadap cost of fund dengan nilai t hitung = 8,591 > t tabel = 1,697, dan (3) tingkat suku bunga simpanan tabungan dan deposito berpengaruh secara simultan terhadap cost of fund dengan nilai F hitung = 247,037 > F tabel = 3,32. Besarnya pengaruh simultan antara tingkat suku bunga simpanan tabungan dan deposito terhadap cost of fund pada PD. BPR Bank Buleleng 45 tahun 2011-2013 sebesar 0,934 (93,4%).
Kata Kunci : tingkat suku bunga tabungan, tingkat suku bunga deposito, cost of fund

This research aims to know (1) an influence of the savings interest rate toward cost of fund, (2) an influence of the deposit interest rate toward cost of fund, and (3) the amount is influence of the interest rates on savings and deposit toward cost of fund in PD. BPR Bank Buleleng 45 on year 2011-2013. This study was a quantitative research that is characterized as ex-post facto. Data were collected by interview and documentation then analyzed with multiple linear analysis techniques. The result of this research shows that in PD. BPR Bank Buleleng 45 on year 2011-2013 (1) the savings interest rate are positive and significant effect toward cost of fund with a value t count = 10,527 > t table = 1,697, (2) the deposit interest rate are positive and significant effect toward cost of fund with a value t count = 8,591 > t table = 1,697 and (3) the interest rates on savings and deposit are simultaneously influence toward cost of fund with a value F count = 247,037 > F table = 3,32. The amount of simultaneous influence between interest rates on savings and deposit toward cost of funds in PD. BPR Bank Buleleng 45 on year 2011-2013 amounted to 0,934 (93,4%).
keyword : savings interest rate, deposit interest rate, cost of funds