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Financing of urban infrastucture : case of property loan in Indonesia

Jurnal Keuangan dan Perbankan, Tahun XI, Nomor 3, September 2007
Journal from JIPTUNMERPP / 2008-02-18 09:40:38
Oleh : Abdul Mongid, Diploma_3_of_Finance_and_Banking_-_Merdeka_Univers (mongide@perbanas.edu)
Dibuat : 2007-09-01, dengan 0 file

Keyword : monetary policy, property loan, interest rate

Housing, as a part of property business was a problem aspecially in city. It was a major economic, political and social issue. As population kept growing and urbanization increased from time to time, the necessary of providing adequate housing also increased from time to time. The increasing level of urbanization from time to time was unavoidable and as a consequence, the need for additional resources for this sector increased too. The property financing was different from other loans especially on interest rate risk side. Thus, banks that provided financing for property were very cautious on interest rate change. The data used in this study were aggregate data snd collected mainly from Bank Indonesia database, National Statistic and Asia Development Bank the data were monthly and the time period of the study was from 2001 to 2006. variables employed in this study were property loan (PL), discount rate (DR), Effective interrest rate (EIR), Industrial production (IP), Broad Money (BM), Interbank Rate (IBR), and total bank deposit (BD). In conclusion, we concluded that discount rate, there month interbank interest and industrial index were negative significant. Deposits and effective interest rate were positively index were negative significant.

Deskripsi Alternatif :

Housing, as a part of property business was a problem aspecially in city. It was a major economic, political and social issue. As population kept growing and urbanization increased from time to time, the necessary of providing adequate housing also increased from time to time. The increasing level of urbanization from time to time was unavoidable and as a consequence, the need for additional resources for this sector increased too. The property financing was different from other loans especially on interest rate risk side. Thus, banks that provided financing for property were very cautious on interest rate change. The data used in this study were aggregate data snd collected mainly from Bank Indonesia database, National Statistic and Asia Development Bank the data were monthly and the time period of the study was from 2001 to 2006. variables employed in this study were property loan (PL), discount rate (DR), Effective interrest rate (EIR), Industrial production (IP), Broad Money (BM), Interbank Rate (IBR), and total bank deposit (BD). In conclusion, we concluded that discount rate, there month interbank interest and industrial index were negative significant. Deposits and effective interest rate were positively index were negative significant.

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PropertiNilai Properti
ID PublisherJIPTUNMERPP
OrganisasiDiploma_3_of_Finance_and_Banking_-_Merdeka_Univers
Nama KontakDra. Wiwik Supriyanti, SS
AlamatJl. Terusan Halimun 11 B
KotaMalang
DaerahJawa Timur
NegaraIndonesia
Telepon0341-563504
Fax0341-563504
E-mail Administratorperpus@unmer.ac.id
E-mail CKOwsupriyanti@yahoo.com

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