Diyah Azahra, . (2026) DAMPAK PENEMPATAN DEPOSITO TERHADAP COST OF FUND PADA PT ALLO BANK INDONESIA TBK PERIODE 2021-2025. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
This study aims to analyze the structure of Third-Party Funds (DPK), determine the implications of deposit usage on Cost of Fund, and identify the fund-raising strategies implemented by PT Allo Bank Indonesia Tbk for the period 2021–2025. This writing uses quantitative data derived from secondary sources, including annual reports of PT Allo Bank Indonesia Tbk, official publications from the Financial Services Authority and relevant literature. Data processing techniques include data grouping, Cost of Fund calculation, comparative analysis, and descriptive analysis. The results show that the DPK structure of PT Allo Bank Indonesia Tbk during 2021–2025 was dominated by deposits with a proportion ranging from 84.46% to 92.10% of total DPK, although low-cost funds or Current Account Saving Account (CASA) showed positive growth. The dominance of deposits has implications for the high Cost of Fund, which fluctuated between 4.15% and 6.21%, where Cost of Fund is not only influenced by the proportion of deposits but also by the prevailing deposit interest rates. PT Allo Bank Indonesia Tbk implements two main strategies, namely maintaining deposit funds through competitive interest rate offerings and promotional programs, as well as increasing the proportion of low-cost funds through digital savings product development and business ecosystem expansion.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No.Panggil: 2310101027] [Pembimbing: Kery Utami] [Penguji 1: Jenji Gunaedi Argo] [Penguji 2: Wahyudi] |
| Uncontrolled Keywords: | Allo Bank, CASA, Cost Of Fund, Third-Party Funds, Deposits |
| Subjects: | H Social Sciences > HC Economic History and Conditions H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | DIYAH AZAHRA |
| Date Deposited: | 26 Aug 2026 06:57 |
| Last Modified: | 26 Aug 2026 06:57 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50751 |
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