Samsul Arifin Universitas Sultan Ageng Tirtayasa   Sindangsari, Kec. Pabuaran Serang, Banten 42163 Indonesia   samsularifin@untirta.ac.id   www.untirta.ac.id           JEL Areas: E0 : Macroeconomics and Monetary Economics: General E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General