ANALYSIS OF THE CONTINUED USE OF BANK INTEREST IN THE INDONESIAN BANKING SECTOR

Authors

  • Tubagus Rifqy Thantawi Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Sahid Bogor
  • Susi Melinasari Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Sahid Bogor
  • Annisa Aprilia Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Sahid Bogor

DOI:

https://doi.org/10.56406/sahidbankingjournal.v5i1.270

Keywords:

Banking, Bank Interest, Monetary Policy, Investmen

Abstract

The financial services sector is a sector that is linked to almost all sectors in the national economy. A bank is an agency that collects funds from the public in the form of savings and distributes them to the public in the form of credit. In funding activities, of course the bank determines the amount of interest that is regulated for the bank and customers. Interest is a form of compensation given by capital borrowers to capital owners for the loss of use of capital due to lending and borrowing activities during a certain time. This research aims to analyze the continued use of bank interest in banking in Indonesia. This reaserch uses data observation methods from the Badan Pusat Statistik (BPS) regarding bank interest rate data, as well as investment realization data in the west Java province for 2006-2022. The data instrument used comes fromt BPS reports regarding interest rates. The results of the research show that interest rates are a form of remuneration. Interest rates play an important role in banking because they attract customers and also serve as a form of obtaining banking profits. Apart from that, from this research it is proven that there is a negative relationship between interest rates and investment realization in West Java province. Interest rates are the policy of the Bank Indonesia monetary authority, which is regulated in Bank Indonesia regulations and other regulations.

References

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Published

2025-10-30

How to Cite

Thantawi, T. R. ., Melinasari, S. ., & Aprilia, A. . (2025). ANALYSIS OF THE CONTINUED USE OF BANK INTEREST IN THE INDONESIAN BANKING SECTOR. SAHID BANKING JOURNAL, 5(1), 79–90. https://doi.org/10.56406/sahidbankingjournal.v5i1.270

Issue

Vol. 5 No. 1 (2025): OCTOBER 2025

Section

BIBLIOGRAPHY

License

Copyright (c) 2025 Tubagus Rifqy Thantawi, Susi Melinasari, Annisa Annisa

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

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