ANALISIS PERBANDINGAN PEMBIAYAAN KPR TERHADAP SUKU BUNGA KOMPETITIF FIX & CAP PADA PT. BANK CENTRAL ASIA, Tbk.

  • Oktaviana Ayu Wulandari Student, Fakultas Ekonomi Universitas Islam Attahiriyah, Jakarta, Indonesia
  • Rachma Zannati Fakultas Ekonomi, Universitas Islam Attahiriyah, Jakarta, Indonesia

Abstract

This study aims to determine the differences and trends between home mortgage financing to competitive interest rates at PT. Bank Central Asia, Tbk. In this study, the sample used is the interest rate data in the year 2009-2016. Data collection techniques used in this study through observation and interview techniques. The analysis method used is independent t-test and trend analysis test using SPSS 20.0 for Windows program. Based on the result of research, sig-t is obtained 0,023 <0,05. The hypothesis test results conclude that there is a significant difference between mortgage financing to the competitive interest rate on fix and stamp interest. The mortgage financing trend towards the competitive interest rate in PT.Bank Central Asia, Tbk, in general, has decreased consistently. Although the cap rate is higher than the fixed rate Keywords: credit financing, competitive interest rate

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Published
2017-09-30
How to Cite
Wulandari, O., & Zannati, R. (2017). ANALISIS PERBANDINGAN PEMBIAYAAN KPR TERHADAP SUKU BUNGA KOMPETITIF FIX & CAP PADA PT. BANK CENTRAL ASIA, Tbk. Jurnal Riset Manajemen Dan Bisnis (JRMB) Fakultas Ekonomi UNIAT, 2(S1), 307-314. https://doi.org/10.36226/jrmb.v2iS1.63