BOOK:(Snowden and Vane 2002)(Blaug 1985)Mankiw (2007) (Madura, & Fox, 2002):Frankel 1999, Mussa and others 2000Madura (2008)(Kidwell, 2005)Mishkin (2004)(Abdullah, 2003: 60)(Dendawijaya, 2009: 118)(Dendawijaya, 2009: 119)(Dendawijaya, 2009: 120). (Dendawijaya, 2009: 116).(Taswan, 2009: 167)

PREVIOUS STUDY:Muttaqiena, 2013(Novianti 2009)Abimanyu (2004)Yagci (2001) (Rahardja, 2008)(Karim, 2005)(Muhamad, 2005)(Taswan, 2010)Merkusiwati (2007)

BI:the Indonesia Banking Booklet 2008the Bank of Indonesia regulation Number 6/10/PBI/2004Bank of Indonesia Circulars Number 6/23/DPNPNumber 6/10 / PBI / 2004Number 9/1 / PBI / 2007

GOV LAW:Law No. 21 of 2008Act 10 of 1998Act No. 21 of 2008Act 3 of 2004