PENGARUH SIMPANAN PIHAK KETIGA TERHADAP KREDIT YANG DIBERIKAN PADA PIHAK KETIGA (SURVEY PADA BANK-BANK UMUM YANG TERDAFTAR DI BURSA EFEK JAKARTA)

Any banking deregulation, especially deregulation package of October 27

1988, had facilitate bankin word in mobilize public fund, it caused higher

competition between bank and increasing of investment and usage fund option in

order to provide good bank fund

According to the explanation above, thus the writer identified the problem

regarding how the saving account of the third parties in public banks that

registered in Bursa Efek Jakarta, how the situation of the allocated loans for the

third parties that registered in Bursa Efek Jakarta, and how much the influence of

third parties deposits accounts to the allocated loans to public bank that

registered in Bursa Efek Jakarta. The method used in this research is a

descriptive method, whereas the analytic method used in this research is simple

regression analysis. The results show that generally the explanation on deposits

accounts that given to the third parties including demand deposits, saving

deposits, and time deposits in public bank that registered in Bursa Efek Jakarta in

2006 the average was 34.674.320.484.057, while total loans to the third parties

the average was 20.551.178.854.256.

After the hypothesis analysis using 5 % of real point, thus it can be

concluded that the third party saving accounts in public banks that registered in

Bursa Efek Jakarta have significant influence on loans to the third parties. The

result gives the determination coefficient public bank that registered in Bursa

Efek Jakarta for model of influence of third parties deposits to the loans to third

parties is 93.8%, and contribution of other factors is 6.2 %.