Presented by : hidayat kusamanto

207.02.018
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 BACKGROUND
For knowing impact of interest rates of indonesian bank toward economic growth in
indonesia especially toward syariah banking asset
As we know, indonesia rule or law is so different with syariah system, even though
most of moslem in the world is indonesia but rules or laws that being applied in
indonesia not islam rules. Why? because our country is not islam country and we have
to respect to others, because we have so many cultures, and this respect is called
bhineka tunggal ika. Even though islam ask us for respecting others but It doesn’t
mean that we have to follow their rules. This problem is happening in indonesia., most
of moslem in indonesia would rather do system capitalism than syariah system.
Especially in financing system. They have been thinking that capitalism can give them
more advantage than syariah system. This advantage is called interest rates ( riba )
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Based on above the background mentioned,
and here are some suggested about problem formulation
for this research:


Is there any influence between interest rate of indonesia bank
toward syari’ah banking asset .

How great influence of interest rate of indonesia bank toward

Syariah banking asset

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4
 1st

According to Munawir (2002:30) assets is a means or economic resources

owned by a business entity or company that cost or fair value should be
measured objectively.

Wikipedia assets are economic resources. Anything tangible or

intangible that is capable of being owned or controlled to produce
value and that is held to have positive economic value is considered
an asset
 IAI Assets are tangible assets acquired in a form ready for use or to
be built first, which is used in company operations, not intended for
sale within the framework of the normal activities of the company and
has a useful life of more than one year. ".

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 2nd

islamic Banking is anything that concerns about Islamic

Banking and Islamic Business Unit, covering
institutional, business activities, as well as the manner
and process in conducting their business activities.

According to Law No. 21 In 2008 the Islamic Bank is a Bank that

is running its business based on syariah principles and according
to the type composed of Islamic Banks and Bank Rakyat Syariah
Financing

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 Interest rate
According to Karl and Fair (2001:635) argues the interest rate
is the annual interest payments of a loan in the form of a
percentage of loans obtained from the amount of interest
earned each year divided by the number of loans
According to Lipsey, Ragant and Courant (1997:471) interest
rate is the price paid for units of the currency borrowed from a
certain time period.
According Nopirin (1992:176) function of interest rates in the
economy: allocation of production factors to produce goods
and services that are used now and in the future.

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 Hypothesis

H0 = “there is no any influence interest rates of indonesia bank toward

syariah banking asset

Hα: “there is an influence between interest rates of indonesia bank and

syariah banking asset”

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 METHODOLOGY DATA

Data which obtained are come from :

Official website of indonesia bank

Syariah banking statistic

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 D I S C U S S I O N

Table 4.1 representative data for interest rates of indonesia bank

BI Rate Tahun
No Bulan
2005 2006 2007 2008
1 Januari - 12.75% 9.50% 8.00%

2 Februari - 12.75% 9.25% 8.00%

3 Maret - 12.75% 9.00% 8.00%

4 April - 12.75% 9.00% 8.00%

5 Mei - 12.50% 8.75% 8.25%

6 Juni - 12.50% 8.50% 8.50%

7 Juli 8.50% 12.25% 8.25% 8.75%

8 Agustus 8.75% 11.75% 8.25% 9.00%

9 September 10.00% 11.25% 8.25% 9.25%

11.00%
10 Oktober 10.75% 8.25% 9.50% 10
11 November 12.25% 10.25% 8.25% -
Table 4.1 representative data for interest
rates of indonesia bank
Aset perbankan syariah
No Bulan
2005 2006 2007 2008
1 Januari - 20,584,968 26,948,764 35,836,442

2 Februari - 20,459,669 27,689,736 37,550,847

3 Maret - 20,545,995 28,447,352 38,343,742

4 April - 21,089,959 28,367,648 40,071,017

5 Mei - 21,902,818 29,000,124 41,082,893

6 Juni - 22,700,820 29,208,812 42,981,116

7 Juli 17,839,625 22,861,551 29,899,604 43,478,881

8 Agustus 18,232,742 23,577,970 30,144,504 44,339,780

9 September 18,454,192 24,313,155 31,802,773 45,857,224

10 Oktober 18,732,449 25,056,041 33,016,029 46,281,660

11 November 18,692,398 25,488,349 33,287,970 -

12 Desember 20,879,849 26,722,030 36,537,637 -

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 Tabel 4.3
Deskripsi Statistik Suku Bunga Bank Indonesia dan Perbankan
Syariah

Aset Perbankan Syariah

Keterangan BI Rate
(Juta Rupiah)

Mean 9,84% 29.207.728

Median 9,13% 28.028.692

Standar Deviasi 0,017556571 8659490,435

Max 12,75% 46.281.660

Min 8,00% 17.839.625

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 Regression
b 
N  XY   X   Y 
N  X 2
  X  2

40 *111,150,543   393.75%1,168,309,135
b
40* 39.96%-15.50390625
- 154195501. 9
b 
0.48084375

b  -320676938.9

Y  b  x
a
40
1,168,309,135   - 1,262,665,447 
a
40
2,430,974,582
a
40
a  60774364.55

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 Persamaan regresi

Y = a + bX

Y = 60,774,365 - 320676938.9 X

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 korelasi
N  XY    X   Y 
r 
N X 2
  X  2
NY 2
  Y  2

40 *111,150,543   393.75%1,168,309,135
r
40 * 39.96% - 15.50390625 40 * 37,048,140,082,554,200  1,364,946,234,924,450,000

4446021717 4600217219
r
15.98475-15.50390625 1,481,925,603,302,170,000  1,364,946,234,924,450,000

- 154195501.9
r
0.48084375 116,979,36 8,377,722,000

- 154195501.9
r
0.69342898 * 342022467.7

- 154195501.9
r
237168290.8

r  -0.6501522 67

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 Koefisien determinan
• Koefisien determinan = r2 x 100%

= 0.42269797 x 100%
=42.26 %

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 t hitung

r n  2
t hit 
1  r 2

 0 . 65 40  2
t hit 
1  0 . 42

 0 . 65 x 6 . 16
t hit 
0 . 58

 4 . 004
t hit 
0 . 76

t hit   5 . 26

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 Determinant coefisien
dk =n–2
= 40 – 2 = 38

Ho diterima

Ho Ditolak Ho Ditolak

 5.26 -2.0227 2.0227

Gambar IV. 1

Hasil uji t : Ho ditolak

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CONCLUSSION

• Indonesian bank interest rate gives contribution toward

syari’ah banking asset as much as 42%. This value is
big enough for showing that Indonesian bank interest
rate give big influence enough toward syari’ah banking
asset.

• There is a negative influence relation between interest rate of

indonesia bank toward syariah banking asset

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 implication

• Islamic banks have been more optimal medium

develop more existing assets
• slamic banks currently and has entered a new
program in a more accurate mapping of the potential
market.

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Suggestion

1. Bank Indonesia should provide an

explanation of the superiority of Islamic
banks in Indonesia to the general public
2. The existence of socialization and education
of the public
3. To provide convenience to customers in
various ways. Among the ease of saving,
ease of doing borrowing. In another sense,
that syariah banking is true - true that
people can prosper.
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Thank you for paying attention

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