Jakarta-Indonesia, Firdaus It was raised in fit and proper test in the House of Representatives Commission XI, Jakarta, Tuesday (12/06/2012). "There is still the dominant source of funds in the banks are basically expensive due to the mindset of the people of Indonesia who still consider bank deposits as the main alternative investments," said Firdaus.
Prospective members of the Board of Comlissioners the Financial Services Authority Member of the Board of Commissioners as well as LPS, Firdaus Djaelani, Indonesia believes people still prefer their funds in bank deposits as an investment.
He explained that the funding structure of the financing banks still rely on third-party funds of funds, especially expensive. Expensive funds sourced from deposits still dominates with 45.44 percent of the composition of third-party funds (DPK).
Alternative investments, it is clear Firdaus, can through the capital markets and IKNB (Non-Bank Financial Industry). "With the way the composition of bank funding will be shifted more toward the dominant current account and savings that its cost of funds less expensive," he concluded.
Large share of deposits in deposits, he said, led to the high cost of funds so that banks and regulators hinder government efforts to suppress the lending rates. "This is what the Government would need to be clarified by encouraging investment alternatives are more attractive to the public and their safety," he continued.
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