Maria Utari Department of Economics, Bogor Agricultural University, Indonesia   Departemen Ilmu Ekonomi - FEM Kampus IPB Darmaga Bogor, West Java 16682 Indonesia   utari.maria@yahoo.com   http://www.ipb.ac.id/           JEL Areas: E4 : Money and Interest Rates: General E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General