The impact of inflation and benchmark interest rare (BI-rate) on Dana Pihak Ketiga (DPK) in Indonesian Banking: A case study of Bank BUMN
DOI:
https://doi.org/10.54957/educoretax.v6i3.2164Kata Kunci:
Bank BUMN, BI-Rate, Dana Pihak Ketiga, InflationAbstrak
Dana Pihak Ketiga (DPK) are the main source of funding for banks, reflecting the level of public confidence and determining the ability of banks to perform their intermediary function. DPK movements are influenced by macroeconomic conditions, particularly inflation and the benchmark interest rate set by Bank Indonesia. This study aims to analyze the effect of inflation and the benchmark interest rate (BI-Rate) on DPK at Bank BUMN in Indonesia. This study uses a quantitative approach with quarterly secondary data for the 2010–2025 period and is analyzed using multiple linear regression using the Ordinary Least Squares (OLS) method. The results show that inflation has an effect on Dana Pihak Ketiga, while the BI-Rate has an effect on Dana Pihak Ketiga. These findings indicate that inflation stability and interest rate policy play an important role in maintaining the growth and stability of SOE banking DPK in Indonesia.
Referensi
Annisa, F. S. , & Rani, L. N. (2024). Determinants of Third Party Funds of Islamic Commercial Banks in Indonesia. Jurnal Ekonomi Syariah Teori Dan Terapan.
Domar, E. D. (1939). An essay in dynamic theory (193rd ed., Vol. 49). The Economic Journal,.
Freixas, X., & Rochet, J.-C. (2008). The Microeconomics of Banking.
Ginting, A. L., & Hariani, E. (2024). Analisis Bi Rate, Inflasi, dan Nilai Tukar terhadap Tingkat Tabungan pada Bank-Bank Umum Di Indonesia: Sebelum dan Pasca Pandemi Covid-19. In Jurnal Mahasiswa Ekonomi & Bisnis (Vol. 4, Number 2).
Jahidah, N. (2024). External and internal banking factors on third party funds growth in Bank BUMN. Jurnal Riset Bisnis Dan Manajemen, 17(2).
Kasmir. (2014). Bank dan Lembaga Keuangan Lainnya. PT Raja Grafindo Persada.
Markowitz, M. H. (1952). Portfolio Selection. Journal of Finance, 7(1), 77–91.
Mistika, D. P. (2024). Pengaruh inflasi, BI-Rate, dan kurs terhadap Dana Pihak Ketiga. Repository Raden Intan Lampung.
N. Gregory Mankiw. (2016). Principles of Economics (7th ed.). Cengage Learning.
Pohan, A. (2008). Kerangka Kebijakan Moneter dan Implikasinya di Indonesia. PT Raja Grafindo Persada.
Raharjo AW, & Elida T. (2015). Bank dan Lembaga Keuangan Non Bank di Indonesia Jakarta. Universitas Indonesia Press.
Ramadhani, D., & Abdullah, M. F. (2021). Pengaruh bagi hasil, inflasi, dan BI Rate terhadap simpanan Dana Pihak Ketiga pada bank umum syariah. Journal of Financial Economics & Investment, 1(2), 102–112.
Santosa, A. R. (2020). Pengelolaan DPK dalam Menghadapi Persaingan Perbankan. Jurnal Ekonomi Dan Bisnis, 14(1), 45–58.
Sopiana, H. (2012). ANALISIS PENGARUH SUKU BUNGA SBI DAN INFLASI TERHADAP PENGHIMPUNAN DANA PIHAK KETIGA (DPK) PERBANKAN DI INDONESIA (Vol. 10, Number 1).
Sugiyono. (2018). Metode Penelitian Manajemen (Pendekatan Kuantitatif, Kualitatif, Kombinasi (Mixed Methods), Penelitian Tindakan (Action Research, dan Penelitian Evaluasi). Alfabeta Cv.
Sukirno, S. (2002). Teori Mikro Ekonomi. Cetakan Keempat Belas. Rajawali Press.
Zhafran Alfaridzi, L., Ekonomi Pembangunan, I., & Ekonomi dan Bisnis, F. (2025). ANALISIS INFLASI TERHADAP DANA PIHAK KETIGA (DPK) PADA BANK INDONESIA 2021M1-2023M12. Neraca Akuntansi Manajemen, Ekonomi, 17. https://doi.org/10.8734/mnmae.v1i2.359
Unduhan
Diterbitkan
Cara Mengutip
Terbitan
Bagian
Lisensi
Hak Cipta (c) 2026 Violieta Wicaksono Putri, Diana Sari
Artikel ini berlisensi Creative Commons Attribution 4.0 International License.
