The Effect Of Secondary Reserve On The Reliability Of Bank Jatim

Authors

  • AN Rahmatika Universitas KH. Abdul Wahab Hasbullah
  • Trisna Putri Anggraeni Anggraeni Universitas KH. Wahab Hasbullah

DOI:

https://doi.org/10.62375/jsintak.v3i2.490

Keywords:

Giro; Kredit; Reliabilitas Bank; Secondary Reserve; Surat Berharga

Abstract

This study aims to analyze the effect of secondary reserves on the reliability of Bank Jatim. The secondary reserve in this study consists of demand deposits, placements in other banks, and securities, while bank reliability is measured based on total liabilities. The data used is secondary data from Bank Jatim's financial statements. The research method employed is multiple linear regression using IBM SPSS Statistics 25.

The results show that the variable loans and sharia payments (X4) significantly affects the reliability of Bank Jatim, with a significance value of 0.029 (<0.05). Meanwhile, the variables demand deposits (X1), placements in other banks (X2), and securities (X3) do not significantly influence bank reliability. The coefficient of determination (R²) of 0.229 indicates that 22.9% of the variation in Bank Jatim's reliability can be explained by secondary reserves, while the remaining percentage is influenced by other factors outside the research model.

References

G. Wuryandani, R. Ginting, D. Iskandar, and Z. Sitompul, “Pengelolaan dana dan likuiditas bank,” Bull. Monet. Econ. Bank., vol. 16, no. 3, pp. 247–276, 2014.

F. Fuadi, Bank dan Lembaga Keuangan Non Bank (Teori dan Aplikasi). Penerbit Adab, 2021.

D. M. Nuraeni, “Dampak Asset Liability Management Terhadap Profitabilitas pada PT Bank Himpunan Saudara 1906, Tbk,” 2015, Tesis Program Magister Management Universitas Widyatama.

G. Wuryandani, “The Determinants of Bank Liquidity,” Available SSRN 2242754, 2012.

A. P. Putera and M. SH, Hukum perbankan: Analisis mengenai prinsip, produk, risiko dan manajemen risiko dalam perbankan. Scopindo Media Pustaka, 2020.

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Published

2025-03-27

How to Cite

AN Rahmatika, A. N. R., & Anggraeni, T. P. A. (2025). The Effect Of Secondary Reserve On The Reliability Of Bank Jatim. JURNAL SINTAK, 3(2), 48–53. https://doi.org/10.62375/jsintak.v3i2.490

Issue

Vol. 3 No. 2 (2025): MARET 2025

Section

Articles

License

Copyright (c) 2025 Trisna Putri Anggraeni Anggraeni, AN Rahmatika

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This work is licensed under a Creative Commons Attribution 4.0 International License.