THE OPTIMAL LENDING RATE OF BANK PERKREDITAN RAKYAT(BPR)

  • Nining I Soesilo

Abstract

Paper ini bertujuan untuk menganalisa tingkat suku bunga kredit Bank Perkreditan Rakyat (BPR), sesuatu yang menjadi perdebatan di lingkungan institusi di Indonesia, sebagai dampak proses liberalisasi keuangan yang memungkinkan bank untuk menetapkan suku bunga yang tinggi. Paper ini mempergunakan model mikro untuk mengelaborasi peran aktif bank, khususnya yang berskala kecil seperti BPR.

Setelah tingkat suku bunga kredit diperoleh, dilakukan beberapa simulasi untuk melihat formasi tingkat suku bunga pinjaman optimal, dan cara terbaik menurunkan resiko dan besaran suku bunga tersebut. Data yang dipergunakan memiliki dua level agregasi yang berbeda, pertama, menempatkan bank BPR sebagai unit observasi dan kedua, penggabungan bank menurut region sebagai unit sampelnya. Hasil dari paper ini diharapkan dapat memperkaya pemahaman atas keuangan mikro di Indonesia dan kaitannya yang erat dengan manajemen moneter.

JEL: D81, E43, E58, G21

Keyword: lending rate, financial liberalization, micro model, risk, BPR

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Published
2005-06-24
How to Cite
Soesilo, N. I. (2005). THE OPTIMAL LENDING RATE OF BANK PERKREDITAN RAKYAT(BPR). Buletin Ekonomi Moneter Dan Perbankan, 7(4), 555 -. https://doi.org/10.21098/bemp.v7i4.124
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Articles