to rock, not to roll !

Apa itu?

Menurut definisi InvestorWords

A central bank policy designed to curb inflation by reducing the reserves of commercial banks (and consequently the money supply, through open market operations). also called tight monetary policy. opposite of easy monetary policy.

Menurut TheSortRun

Tight Money Policy

This policy is exercised in times of inflation.

Components:

1. Selling securities to banks and the public.

• This decreases the supply of money.  The public is
  giving money to the Federal Reserve.  In exchange, the Fed is giving the
  public/banks bonds, which isn’t money.  Hence, there is less money
  circulating in the economy.

• Because banks now have less reserves, they cannot loan
  as much money to the public.

2. Increase the Federal Funds Rate

• By increasing the Federal Funds rate, it costs more
  interest for banks to borrow from other banks.  Thus, banks have less excess
  reserves and lend less to the public.

3. Increasing the Discount Rate

• Commercial banks loaning from the Federal Reserve now
  have less excess reserves.  Therefore, they cannot loan as much money to the
  public.

4. Increase the Reserve Ratio

• By increasing the reserve ratio, banks now have less
  excess reserves.  Therefore, money supply has been decreased, and the banks
  cannot loan as much money to the public.

Jadi sebenarnya tujuan dari Tight-Money Policy (atau kalau diterjemahkan dalam Bahasa Indonesia yang baik dan benar adalah Kebijakan Uang Ketat?) adalah mengerem laju inflasi ya? Jadi supaya uang banyak beredar di publik ya.. Jadi supaya transaksi antar bank meningkat ya… Jadi supaya aktivitas ekonomi meningkat ya…Jadi supaya harga barang ngga merambat naik ya….

Kapan dong…. gw lagi bokek nih… CAR (Credit Adequate Ratio) atau Rasio Kecukupan Modal dompet di banding tabungan di bank udah tertekan habis sampai menembus level terbawah: 10% !!! Bunyikan tanda bahaya.. teeett .. teettt…. teeeettt….. ALERT !!!!

Hah, balik dulu ah….

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