KESEIMBANGAN PASAR DEPOSITO DAN PASAR KREDIT DI INDUSTRI PERBANKAN INDONESIA

The Balance of the deposit market and credit markets in the Indonesia banking industry (Sugiyanto and Sapto Jumono Faculty of Economic and Business Esa Unggul University, Jakarta.) The aims of the research is to determine of credit markets and deposits market in Indonesia banking industry. The effectiveness of the performance of the national banking industry can be seen in its ability to mobilize and develop funding distribute to those who lack of funds in the economic system. The higher level of effective management of the national banking system, the national investment would be growth and supporting the national economic system. The importance of research on the development of credit and deposit volumes as closely interrelated and very important in the growth of national economy. This research is causality-explanatory. using secondary data with cross section - time series with observation time of 2001 to 2015 The unit of analysis is the banking industry in Indonesia. Analysis of data using multiple regression panels that produce a model as a representation of the theory. The samples are six categories of commercial banks in Indonesia, n, Government Commercial Bank ( BANK PESERO), national private Commercial foreign Exchange banks (BUSN Devisa), national private Commercial non foreign Exchange banks (BUSN non Devisa), private mixture commercial banks ( bank campuran ), Foreign commercial banks (Bank Asing ), and Regional Development Bank (BPD). The results showed : First as generally the Indonesian Banking has well management it is shown by the variable ALMA( asset Liabilities Management) have significant effect to the volume of deposits (DPK /qdep), spread of interest rates borrowing and saving (spread), liquidity (LDR) capital (teta) and proportion fee based income (fbirev). Second as overall external factors have no affect the growth of bank credit in Indonesia. It show that Indonesia banking industry is quite efficient.

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