PENGARUH PRODUK DOMESTIK REGIONAL BRUTO, SUKU BUNGA TABUNGAN, DAN LAJU INFLASI TERHADAP TABUNGAN MASYARAKAT PADA BANK UMUM DI JEMBER TAHUN 2001.I-2006.IV

Abstract

By the existence of governmental policy and Bank Indonesia one in handling banking’s problem, is wished the condition of banking experiencing better development. The problem faced by banking was the lack of fund to invest. The mobility of fund was getting from the private saving. Private saving that mobilized by banking and non banking finance department is used for paying the investation. The public donate mobility was the monetary sector activity such as donate connection which will be passed on the real sector. The increasing of private saving amount influenced by some factor, such as Gross Domestic Regional Product, interest rate of saving deposits, and inflation.

This study was using time series data. The analysis method is used for the research was multiple linier regression and Eviews-5. The result showed that Gross Domestic Regional Product coefficient value was 0,179259. The interest rate of saving deposits coefficient value was -50,07472 and inflation coefficient value was 9,493751.

The estimation result showed that the influence of Gross Domestic Regional Product and interest rate of saving deposits was sinificant on private saving. The influence of inflation was’nt significant on private saving. Based on the analysis and the conclusion, therefore is suggested to the government to do the effort of the improvement of Gross Domestic Regional Product and decide the target of inflation, for banking is suggested to do more efficient and handle the problem of liquidity.