PENGARUH TINGKAT BUNGA DEPOSITO DAN PRODUK DOMESTIK BRUTO TERHADAP JUMLAH DEPOSITO 12 BULAN PADA BANK CENTRAL ASIA TBK DI INDONESIA TAHUN 2000-2020

Abstract

This study aims to determibe whether there an influence of Deposit Interest Rate and Gross Domestic Product (GDP) on the amount of 12-month time deposits at Bank Central Asia in Indonesia in 2000-2020. This study uses secondary data obtained from published financial report data, namely the official website of Bank Central Asia and the Central Statistics Agency with a time span of 2000 to 2020. In this study, the Ordinary Least Square (OLS) method is used to determine changes in the value of the dependent variable, namely Total 12-Month Time Deposit (Y) which is influenced by independent variables, namely Deposit Interest Rate (X1) and Gross Domestic Product (X2) using multiple linear regression technique with eviews 10 program. This study consists of two independent variables (interest rate on deposits and gross domestic product) and the dependent variable (amount of 12-month time deposits). The result of the research is that the deposit interest rate and gross domestic product simultaneously have a positive and significant effect on the number of 12-month time deposits at Bank Central Asia in Indonesia with a significant level of 5% obtained from the probability value of F Statistics < (0.05), namely 0.000000 < (0.05). Partially, the deposit interest rate has a negative and significant effect and gross domestic product has a positive and significant effect on the amount of 12- month time deposits at Bank Central Asia in Indonesia. The ability of the two independent variables to explain the dependent variable with an adjusted RSquare value of 0.965459. This means that the contribution of the influence of the two independent variables on the dependent variable is 96.16% while the remaining 3.84% is influenced by other factors outside this study.

Keywords: Deposit Interest Rate, Gross Domestic Product, 12 Month Time Deposit