scholarly journals FAKTOR-FAKTOR PENDORONG PENGUSAHA UMKM DALAM MENGAMBIL ATAU MENGGUNAKAN KREDIT USAHA RAKYAT (BRI) DI KABUPATEN SRAGEN

2017 ◽  
Vol 5 (1) ◽  
Author(s):  
Liana Vivin Wihartanti
Keyword(s):  
Interest Rates ◽  
Dominant Factor ◽  
Loan Interest Rates

The objective of this research is to know what is the most do minant factor that encourage UMKM enterpreneur stook the People’s Business Credit (KUR) at Bank BRI. The resultss howed that the most dominant  factor  that encouragethe UMKM entrepreneur stota keoruse the People’s Business Credit (KUR) in BRI  loan  interest rates lower by 37.31%  followed by 29.85% recommended by a friend, easy administation of 17.91%, a longer repayment periodby 7.46% and good serviceat 7.46%. Keywords: Entrepreneur, People’s Business Credit (KUR), Micro, Small and Medium Enter prises (UMKM)

Strategi Pengelolaan Risiko dan Peningkatan Kualitas Pengelolaan Kas Negara

2017 ◽  
Vol 2 (2) ◽  
pp. 43-54
Author(s):  
Agung Mulyono
Keyword(s):  
Interest Rates ◽  
Financial Risk ◽  
Vector Autoregression ◽  
Secondary Market ◽  
Key Factors ◽  
Bond Price ◽  
Hedging Strategy ◽  
Foreign Loan ◽  
Term Operation ◽  
Loan Interest Rates

Cash management is  one of treasury’s main functions in which has a potential financial risk. A potential financial risk emerges when State Treasurer manages cash surplus and or/ shortages in order to maintain optimum liquidity. By applying Vector Autoregression (VAR) system on empirical data provided by Bank Indonesia and the Ministry of Finance of Indonesia, we found that currency value  flunctuation is a significant factor for repayment value of foreign loan. Interest rates and amount of government’s bond held by foreign investors are also variables impacted on government’s bond price movement in secondary market. Currency value  flunctuation and price of government’s bond in secondary market are the key factors that have to be considered by State Treasurer (BUN) in managing state’s money. Hedging strategy by using derivatif product is possible to be utilized by State Treasurer (BUN) due to it’s flexibility for short-term operation.   Abstrak Pengelolaan kas negara merupakan salah satu fungsi pokok perbendaharaan yang dalam proses pelaksanaannya menyimpan potensi berbagai risiko keuangan. Risiko keuangan, khususnya dalam investasi berpotensi muncul ketika Bendahara Umum Negara (BUN) melakukan kegiatan pengelolaan kelebihan dan/ kekurangan kas dalam rangka menjamin ketersediaan dan optimalisasi kas. Dengan menggunakan analisis Vector Autoregression (VAR) atas data empiris yang diperoleh dari Bank Indonesia dan Kementerian Keuangan Indonesia, penulis menemukan bahwa fluktuasi nilai tukar mata uang merupakan faktor yang signifikan terhadap besaran pembayaran utang luar negeri pemerintah. Tingkat suku bunga acuan dan pergerakan besaran kepemilikan SUN oleh investor asing juga merupakan variabel yang berpengaruh terhadap pergerakan harga SUN di pasar sekunder. Fluktuasi nilai tukar mata uang dan pergerakan harga SUN di pasar sekunder menjadi faktor penting dalam pelaksanaan investasi yang dilakukan BUN dalam rangka pengelolaan kelebihan dan/ kekurangan kas. Berdasarkan hasil tersebut, strategi pengelolaan risiko atau hedging dengan menggunakan produk-produk derivatif dalam pengelolaan kelebihan dan/ kekurangan kas jangka pendek – menengah sangat dimungkinkan karena sifat instrumen derivatif yang fleksibel.

The Effect of Repayment Through Payroll Deduction on Personal Loan Interest Rates

2006 ◽  
Author(s):  
Eduardo Augusto de Souza Rodrigues ◽  
Victorio Chu ◽  
Leonardo S. Alencar ◽  
Tony Takeda
Keyword(s):  
Interest Rates ◽  
Loan Interest Rates

scholarly journals High Lending Rates in Indonesia: Inflation Rates and Bank Inefficiencies

2020 ◽  
pp. 95-100
Author(s):  
Ari Christianti
Keyword(s):  
Interest Rates ◽  
Inflation Rate ◽  
Positive Impact ◽  
Panel Data Analysis ◽  
Consumer Credit ◽  
Commercial Banking ◽  
Working Capital ◽  
Operating Income ◽  
Lending Rates ◽  
Loan Interest Rates

Inefficient banking systems will affect the Indonesian economy resulting in a high lending rate structure which impacts the cost of capital in real sectors. This study aims to determine if the high lending rates in Indonesia are caused by the high inflation rate and bank inefficiencies. Using monthly panel data analysis from four categories of commercial banking in Indonesia for the period January 2009-December 2017, the results of the study show that operating expenses operating income (OEOI) and net interest margin (NIM) factors, as a measure of efficiency, have a positive impact on loan interest rates for working capital loans, investment loans and consumer loans. Furthermore, inflation rate has a positive effect on loan interest rates for working capital and investment loans only. However, this contrasts with consumer credit where the inflation rate has a negative effect on consumer credit rates. This might be attributed to the fact that interest rates for consumer credit consider default risk factors and high demand rather than inflation factors.

Political Connection, Anti-Corruption Efforts and Firm¡¯s Loan Interest Rates

2018 ◽  
Vol 2018 (1) ◽  
pp. 14048
Author(s):  
Fengyan Yu ◽  
Hongjuan Zhang ◽  
Qi Liang ◽  
Justin Tan
Keyword(s):  
Interest Rates ◽  
Political Connection ◽  
Loan Interest Rates

The transformation of banking: Tying loan interest rates to borrowers' CDS spreads

2016 ◽  
Vol 38 ◽  
pp. 150-165 ◽  
Author(s):  
Ivan T. Ivanov ◽  
João A.C. Santos ◽  
Thu Vo
Keyword(s):  
Interest Rates ◽  
Loan Interest Rates
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