VERB SUFFIXES

Yaitu imbuhan akhir yang membentuk kata kerja

No. Suffixes Example Root

1. if, ify beautify, Solidify beauty, Solid
2. Ise, ize analyze anal
3. en blacken black
4. ed called, climbed call, climb
5. ing driving, singing drive, sing

Find examples of verb Suffixes in article below ?

Grace D. Amianti Jakarta

Tue, February 16, 2016

Growing calls for lower lending rates nationwide have pushed the Financial
Services Authority (OJK) to prepare for a new policy to regulate interest rates in the
banking industry, a senior official has said. OJK deputy commissioner for banking
supervision Irwan Lubis said Monday that the new policy would be issued soon, but
declined to mention details. The upcoming rule is expected to further push the
downward trend in both lending and savings rates, which also includes a special rate
offered by banks to customers with large funds, he said. The OJK has seen average
special rates decline compared to levels recorded before the agency implemented a
measure to cap the time deposit interest rate for big clients of major banks in October
2014.

The rate cap was set at 200 basis points (bps) above the BI rate for BUKU IV
lenders and 225 bps above the BI rate for BUKU III lenders, meaning from 9.5
percent to 9.75 percent. No limit has been set for BUKU I and II lenders as they are
believed to follow the rate movements of major banks. Regular time deposits below
Rp 2 billion will still carry a maximum 7.75 percent interest rate, which was the level
guaranteed by the Deposit Insurance Corporation (LPS) at the time. BUKU
categories classify banks based on their core capital. BUKU IV lenders are listed as
the biggest, with more than Rp 30 trillion of capital per bank.

ADVANCE VOCABULARY | TADRIS BAHASA INGGRIS

 The average special rates have been decreasing to about 8 percent currently,
far lower than around 10 percent to 11 percent when the OJK first capped the rates,
he said. Executives of the country's top 10 banks have said they would continue
efforts to grow low-cost funds that would help drag down their time deposit and
lending rates. The cut in Bank Indonesia's (BI) benchmark rate has not been effective
enough to lower lending rates charged by commercial banks, due to the higher
deposit rates they offer to big depositors. With many initiatives launched to boost
low-cost funds, Bank Tabungan Negara (BTN) retail funding and distribution
director Sis Apik Wijayanto confirmed that the lender saw a 1 percent decline in its
cost of funds last year, which dragged down its time deposit and lending rates by 25
bps and 50 bps, respectively. We are still reviewing a plan to decrease lending rates
in commercial and consumer loans, while hoping that BI may again cut its key rate
this week, 'he said. In 2014, BI decided to tighten its monetary stance by raising its
benchmark rate by 175 bps to 7.5 percent. This resulted in the rise of deposit rates
by 70 bps to 8.67 percent in July, squeezing liquidity in the banking system. Many
banks even offered higher rates to retain their big clients, which prompted the OJK
to set a maximum limit for rates offered to rich clients, who are categorized as those
possessing more than Rp 2 billion (US$149,421) in deposits. With the promising
outlook of the country's inflation, BI is expected to further cut its key rate during an
upcoming board of governors meeting following the government's calls for lower
lending rates to help stoke Southeast Asia's largest economy. The central bank
lowered its reference rate by 25 bps to 7.25 percent in January, the first cut in 11
months. Over the weekend, both President Joko Jokowi Widodo and Vice President
Jusuf Kalla reiterated that BI might need to trim its benchmark rate several more
times to give lenders wiggle room to reduce their rates.

This article was published in thejakartapost.com with the title "Financial authority
plans new rule to regulate interest rates". Click to
read: https://www.thejakartapost.com/news/2016/02/16/financial-authority-plans-
new-rule-regulate-interest-rates.html.

ADVANCE VOCABULARY | TADRIS BAHASA INGGRIS