Analisis pengaruh tingkat susku bunga dana pihak ketiga pada pt negera indonesia (persero) tbk

The purposes of this study are (1) to analyse the condition of third party deposit outstanding, its interest rate, and cost of fund set up by PT. BNI (Persero)Tbk; (2) to analyse effect of third party deposit interest rate to third party deposit outstanding; and (3) to recommend to management an appropriate third party deposit interest rate which is able to optimize composition of third party deposit. Methodology used in this study is descriptive with a case study approach. The study applies Descriptive Analysis and Multiple Linear Regression analysis as the analysis tools. The study shows that, in general, third party deposit interest rate in BNI has experienced a down turn over the last three years (2002 – 2004) for all deposit. The declining trend of interest rate was followed by a change in composition of current deposit, saving, and time deposit. On one hand, time deposit tended to decrease, on the other hand current deposit indicated an up turn. Finally, the change in this third party deposit composition had an impact of declining BNI cost of fund over that time. Based on result of regression analysis, variables which influenced significantly to time deposit are rupiah denominated time deposit interest rate and foreign currency denominated time deposi interest rate. The variable which influenced significantly to saving is foreign currency denominated time deposit interest rate. Interest rate which influenced to current deposit and total of third party deposit is rupiah denominated time deposit interest rate. Recommendation of a new model to calculate an appropriate third party deposit interest rate which is able to optimize composition of third party deposit in BNI still needs a deep and thorough investigation of rupiah denominated time deposit. By means of decreasing rupiah denominated time deposit, the composition of third party deposit will change and dominated by ‘cheaper deposit’ which is current deposit in order to be able to generate cheaper cost of fund