Title: ANALYSIS OF FUND COLLECTION AND CREDIT DISTRIBUTION IN PEOPLE'S CREDIT BANKS IN THE REGIONAL AUTONOMY ERA IN SIDOARJO REGENCY

Authors: UNTUNG SANTOSO

Item Type : Thesis (Thesis)

Affiliations: Master of Management Study Program, Faculty of Economics and Business, Universitas Airlangga , Surabaya, Indonesia

Publisher: Universitas Airlangga

Abstract

Since the enactment of the October 27, 1988 policy package or Pakto "88 has brought changes to the overall structure of Indonesian banking, including in East Java Province. The direct impact of this policy is the increase in the number of bank offices, both general banks and Rural Credit Banks (BPR). The increase in the bank office network in East Java Province has encouraged an increase in the volume of bank business, public fund collection and credit distribution by general banks and BPR. When viewed by district in East Java Province, banking in Sidoarjo Regency showed stable growth and in May 2002, public fund collection ranked fourth, and credit distribution was second after Surabaya Regency. In line with Law No. 22 of 1999 concerning Regional Government, the existence of BPR has a strategic role in encouraging regional economic activities. Analysis of the differences in fund collection and credit distribution at BPR in Sidoarjo Regency is expected to provide input to both the Regional Government and bank supervisory and development institutions in order to establish policies that support the optimization of the role of BPR in the regional economy. This study uses a quantitative approach and is supported by qualitative analysis. The data used is ratio data and is cross section data for the position of June 2002, while the variables used in this study consist of two variables, both of which are independent variables, namely the amount of community fund collection (savings and deposits) and the amount of credit distribution of BPRs with healthy financial performance which are divided into three regional categories, namely sub-districts with more, medium and less economic potential. The data analysis design uses the statistical model of Analysis Of Variance (ANOVA) or F test, and supporting analysis is carried out with a regression model based on the data series of the amount of fund collection and credit distribution for thirteen months. From the results of the research on fund collection and credit distribution data, it is known that the calculated F test is smaller than the F test table, so that statistically there is no significant difference in either the amount of fund collection or the amount of credit distribution of BPRs with "healthy" performance located in sub-districts with more, medium and less economic potential. The largest portion of credit distribution was channeled in other sub-districts (outside the BPR location but still within Sidoarjo Regency) at 34.23%, followed by other regencies at 26.44%, in Surabaya City at 21.27%, and the smallest in the local sub-district (BPR location) at 18.00%. The correlation between fund collection and credit distribution to the BPRs studied showed a significant correlation. The presence of BPRs in Sidoarjo Regency has generally been able to support the economy of Sidoarjo Regency, but has not yet maximally supported the economy at the sub-district level where each BPR is located. Then, as an intermediary institution as a whole, it has also been able to carry out its function optimally, although not always BPRs located in sub-districts with more potential will be better than BPRs located in sub-districts with moderate and less economic potential. To maximize support for the implementation of regional autonomy, it is necessary to appeal to investors or take the initiative of the Regional Government to open new BPRs in several sub-districts that currently do not have BPRs. For Bank Indonesia as a banking regulatory institution, in granting permits to open new BPRs, it should prioritize sub-district locations where there are no or insufficient BPRs.

Keywords: Saving deposit and credit, Sidoarjo regency, rural banking, intermediation function and to enforce district economy.

Sources: http://repository.unair.ac.id/35520/