Analisis Suku Bunga KPR: Acuan dan Faktor Penentunya Berdasarkan Jenis Bank

Prasetya, HeruDwi (2014) Analisis Suku Bunga KPR: Acuan dan Faktor Penentunya Berdasarkan Jenis Bank. Sarjana thesis, Universitas Brawijaya.

Abstract

Penelitian ini bertujuan untuk mengetahui apakah BI rate menjadi acuan bank dalam penetapan suku bunga (kredit pemilikan rumah) serta untuk mengetahui bagaimana sensitifitas dari BI rate, inflasi, suku bunga deposito dan dan pihak ketiga terhadap suku bunga KPR berdasarkan jenis kepemilikan bank yang terbagi atas bank pemerintah, bank swasta nasional, bank campuran dan bank asing. Metode yang digunakan dalam penelitian ini adalah metode peneitian kuantitatif. Adapun metode pengambilan sampel yaitu dengan metode cluster purposive sampling. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari berbagai sumber antara lain BI (Bank Indonesia), BPS (Badan Pusat Statistik) dan pusat data Kontan. Data yang dihimpun lalu di olah dengan alat analisis korelasi, analisis regresi data panel, analisis elastisitas serta uji beda rata-rata. Hasil dari penelitian ini menunjukkan bank pemerintah, bank campuran serta bank asing telah menjadikan BI rate sebagai acuan dalam penetapan suku bunga KPR. Akan tetapi, pada bank swasta nasional tidak menjadikan BI rate sebagai acuan dalam penetapan suku bunganya. Dalam pengujian tingkat sensitifitas didapatkan hasil bahwa BI rate, inflasi, suku bunga deposito dan dana pihak ketiga relatif kurang sensitif terhadap suku bunga KPR dari tiap bank baik bank pemerintah, bank swasta nasional, bank campuran maupun bank asing. Hal ini dapat disebabkan karena rumah merupakan termasuk kebutuhan primer sehingga dengan tingkat bunga berapapun masyarakat tetap membutuhkan rumah.

English Abstract

This study aims to determine whether the central bank benchmark rate to banks in setting interest rates (housing loan) and to investigate how the sensitivity of the BI rate, inflation, deposit interest rates and third party funds to housing loan rates based on bank ownership types, divided into bank government, national private banks, joint venture banks and foreign banks. The method used in this study is a quantitative method. The method of sampling is purposive cluster sampling method. Data used in this study is a secondary data obtained from various sources, there are BI (Bank Indonesia), BPS (Badan Pusat Statistik) and pusat data Kontan. Data collected in the past though with a correlation analysis tool, panel data regression analysis, analysis of elasticity and then different test average. The results of this study indicate state banks, joint venture banks and foreign banks have made BI rate as a reference in setting housing loan rates. However, the national private banks do not make the BI rate as a reference in setting interest rates of housing loan. In testing the sensitivity of the results that the BI rate, inflation, deposit interest rates and third party funds relatively less sensitive to housing loan rates from the bank each state banks and national private banks, joint venture banks and foreign banks. This can be caused because house is a one of primary goods so that the citizen still need a house even housing loan rates increasing significantly.

Item Type: Thesis (Sarjana)
Identification Number: SKR/FE/2014/105/051402169
Subjects: 300 Social sciences > 330 Economics
Divisions: Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi
Depositing User: Budi Wahyono Wahyono
Date Deposited: 27 Mar 2014 10:38
Last Modified: 18 Oct 2021 13:13
URI: http://repository.ub.ac.id/id/eprint/107110
[thumbnail of 04_Bab_III_Heru.pdf] Text
04_Bab_III_Heru.pdf
Restricted to Registered users only

Download (2MB)
[thumbnail of 05_Bab_IV_Heru.pdf] Text
05_Bab_IV_Heru.pdf
Restricted to Registered users only

Download (2MB)
[thumbnail of 07_daftar_pustaka_Heru.pdf] Text
07_daftar_pustaka_Heru.pdf
Restricted to Registered users only

Download (1MB)
[thumbnail of 01_cover-abstrak_Heru.pdf] Text
01_cover-abstrak_Heru.pdf
Restricted to Registered users only

Download (2MB)
[thumbnail of 06_Bab_V_Heru.pdf] Text
06_Bab_V_Heru.pdf
Restricted to Registered users only

Download (1MB)
[thumbnail of 08_lampiran_Heru.pdf] Text
08_lampiran_Heru.pdf
Restricted to Registered users only

Download (1MB)
[thumbnail of 03_Bab_II_Heru.pdf] Text
03_Bab_II_Heru.pdf
Restricted to Registered users only

Download (1MB)
[thumbnail of 02_Bab_I_Heru.pdf] Text
02_Bab_I_Heru.pdf
Restricted to Registered users only

Download (1MB)

Actions (login required)

View Item View Item