Analisis Data Panel Pengaruh PDRB, BI Rate dan IPM Terhadap Tabungan Bank
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Abstract
Savings play an important role in improving the national and regional economy. This study aims to analyze the effect of PDRB, BI Rate and IPM on savings at the Bank either partially or simultaneously. Panel data analysis was used for data in North Sumatra Province with identical research variables. The use of secondary data in this study is based ondata time series and cross section from 2010-2020. In addition, to see the effect of specific research variables in Langkat Regency, multiple linear regression models are used. The data was processed with the help of the eviews version 11 program and passed the classic assumption problem test and the data normality test. The initial findings in this study are that the IPM variable has a significant effect on savings at banks in North Sumatra, while the BI Rate and PDRB variables have no effect on savings, but at a significance level of 10%, the BI Rate variable has an effect. Further findings are that there is a significant effect of the PDRB and IPM variables on public savings in Langkat Regency. Meanwhile, the BI Rate variable has no effect on the Langkat Regency community savings. Simultaneously all independent variables of the study affect the dependent variable.
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Harahap, M. A., Hafizh, M., & Alam, A. P. (2021). Analisis Data Panel Pengaruh PDRB, BI Rate dan IPM Terhadap Tabungan Bank. Jurnal EMT KITA, 5(2), 146–156. https://doi.org/10.35870/emt.v5i2.465
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References
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Suppakitjarak, N., & Krishnamra, P. (2015). Household Saving Behavior and Determinants of the Forms of Saving and Investment in Thailand. Journal of Economics, Business and Management, 3(3), 326–330. https://doi.org/10.7763/joebm.2015.v3.204
Susan, M. (2020). Financial literacy and growth of micro, small, and medium enterprises in west java, indonesia. International Symposia in Economic Theory and Econometrics, 27, 39–48. https://doi.org/10.1108/S1571-038620200000027004
Tobing, F. (2014). Analisis Faktor-Faktor yang Mempengaruhi Jumlah Tabungan di Indonesia: Vol. Vol. 2 (No (pp. 29–39). http://repository.uki.ac.id/351/1/Jurnal Fery 3.pdf
Yumna, A. (2019). Examining financial needs of banking customers for product development in Islamic banking in Indonesia: A Maslahah pyramid approach. International Journal of Islamic and Middle Eastern Finance and Management, 12(5), 712–726. https://doi.org/10.1108/IMEFM-11-2018-0378
Zakaria, Z., & Ismail, M. R. (2017). Financial Literacy and Risk Tolerance towards Saving and Investment : A Case Study in Malaysia. International Journal of Economics and Financial, 7(4), 507–514. file:///C:/Users/HP/Downloads/5113-13443-1-PB.pdf
Ariyati, I., Agustina, F., & Miliani T, G. (2021). Sistematic Literature Review: Pengaruh Literasi Keuangan Terhadap Kinerja Umkm Di Indonesia. Jurnal Ekonomika : Manajemen, Akuntansi, Dan Perbankan Syari’ah, 10(1), 104–118. https://doi.org/10.24903/je.v10i1.1337
Bodenhorn, H. (2018). The forgotten half of finance: Working-class saving in late nineteenth-century New Jersey. In Research in Economic History (Vol. 34). https://doi.org/10.1108/S0363-326820180000034002
Duran, E., Uzgur Duran, B., Akay, D., & Boran, F. E. (2017). Grey relational analysis between Turkey’s macroeconomic indicators and domestic savings. Grey Systems: Theory and Application, 7(1), 45–59. https://doi.org/10.1108/gs-10-2016-0039
Earl, P. E. (2001). The Psychology of Saving: A Study on Economic Psychology; Karl-Erik Wärneryd; Edward Elgar, Cheltenham, 1999; pp. ix + 389, ISBN 1 84064 016 2 (65.00). Journal of Economic Psychology, 22(2), 295–299. https://doi.org/10.1016/s0167-4870(00)00038-6
Eriksson, K., & Hermansson, C. (2014). Searching for new saving behavior theories. International Journal of Bank Marketing, 32(4), 279–299. https://doi.org/DOI 10.1108/IJBM-03-2014-0040
Eriksson, K., & Hermansson, C. (2019). How relationship attributes affect bank customers’ saving. International Journal of Bank Marketing, 37(1), 156–170. https://doi.org/10.1108/IJBM-09-2017-0194
Fuadi, F., & Munandar, M. (2020). Pengaruh Awareness Terhadap Niat Nasabah Menggunakan Produk Perbankan Syariah pada BNI Syariah Lhokseumawe dengan Media Communication Sebagai Pemoderasi. Jurnal EMT KITA, 4(2), 105. https://doi.org/10.35870/emt.v4i2.147
Harahap, M. A., & Hafizh, M. (2020). Pengaruh Pembiayaan Bank Syariah, Suku Bunga dan GDP Terhadap Uang Beredar di Indonesia. Al-Sharf Jurnal Ekonomi Islam, 1(1), 64–86. https://doi.org/10.30596/al-sharf.v
Haron, S., & Nursofiza Wan Azmi, W. (2008). Determinants of Islamic and conventional deposits in the Malaysian banking system. Managerial Finance, 34(9), 618–643. https://doi.org/10.1108/03074350810890976
Harun, C. A., & Nattan, R. R. (2019). Non-core deposit of Indonesian banking. Studies in Economics and Finance, 38(2), 207–226. https://doi.org/10.1108/SEF-10-2018-0311
Hondroyiannis, G. (2004). Estimating private savings behaviour in Greece. Journal of Economic Studies, 31(5), 457–476. https://doi.org/10.1108/01443580410555555
Hong, H., Bian, Z., Chen, N., & Su, C. (2020). Does interest rate liberalisation affect the constancy of mean interest rates in China? Journal of Financial Regulation and Compliance, 28(4), 555–568. https://doi.org/10.1108/JFRC-10-2019-0129
Klasjok, K., Rotinsulu, T. O., & Maramis, M. T. . (2018). Tabungan Masyarakat Pada Bank Umum Di Papua Barat ( Periode Tahun 2008-2017 ) Analysis Of Factors Influencing Public Savings In KristinaKlasjok. Jurnal Berkala Ilmiah Efisiensi, 18(03), 58–67. https://ejournal.unsrat.ac.id/index.php/jbie/article/view/20259/19866
Mori, N. (2019). Determinants of individual savings among Tanzanians. Review of Behavioral Finance, 11(3), 352–370. https://doi.org/10.1108/RBF-05-2018-0045
Narayan, P. K., & Narayan, S. (2006). Savings behaviour in Fiji: An empirical assessment using the ARDL approach to cointegration. International Journal of Social Economics, 33(7), 468–480. https://doi.org/10.1108/03068290610673243
Oberholster, S. J. (2010). War on savings: Modern monetary management in crisis. Journal of Financial Regulation and Compliance, 18(3), 201–223. https://doi.org/10.1108/13581981011060790
Pan, H., & Ha, H. Y. (2020). When do interest rates matter? Two methodological approaches to loyalty. Asia Pacific Journal of Marketing and Logistics, 32(1), 46–64. https://doi.org/10.1108/APJML-06-2018-0229
Riyanto, A., Adriani, A., & Norlena. (2021). Pengaruh Mekanisme Good Corporate Governance Dan Pengungkapan Tanggung Jawab Sosial Perusahaan Terhadap Praktik Manajemen Laba. Jurnal Ekonomika : Manajemen, Akuntansi, Dan Perbankan Syari’ah, 10(1), 27–48. https://doi.org/10.24903/je.v10i1.1212
Sara Jonsson Inga-Lill Söderberg Mats Wilhelmsson. (2017). An investigation of the impact of financial literacy, risk attitude, and saving motives on the attenuation of mutual fund investors’ disposition bias. Managerial Finance, 43(3), 1–12. https://doi.org/https://doi.org/10.1108/MF-10-2015-0269
Suppakitjarak, N., & Krishnamra, P. (2015). Household Saving Behavior and Determinants of the Forms of Saving and Investment in Thailand. Journal of Economics, Business and Management, 3(3), 326–330. https://doi.org/10.7763/joebm.2015.v3.204
Susan, M. (2020). Financial literacy and growth of micro, small, and medium enterprises in west java, indonesia. International Symposia in Economic Theory and Econometrics, 27, 39–48. https://doi.org/10.1108/S1571-038620200000027004
Tobing, F. (2014). Analisis Faktor-Faktor yang Mempengaruhi Jumlah Tabungan di Indonesia: Vol. Vol. 2 (No (pp. 29–39). http://repository.uki.ac.id/351/1/Jurnal Fery 3.pdf
Yumna, A. (2019). Examining financial needs of banking customers for product development in Islamic banking in Indonesia: A Maslahah pyramid approach. International Journal of Islamic and Middle Eastern Finance and Management, 12(5), 712–726. https://doi.org/10.1108/IMEFM-11-2018-0378
Zakaria, Z., & Ismail, M. R. (2017). Financial Literacy and Risk Tolerance towards Saving and Investment : A Case Study in Malaysia. International Journal of Economics and Financial, 7(4), 507–514. file:///C:/Users/HP/Downloads/5113-13443-1-PB.pdf