DETERMINAN PENGHIMPUNAN DANA PIHAK KETIGA PERBANKAN SYARIAH DI INDONESIA PERIODE 2008-2016
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Abstract
Abstrak - Dana pihak ketiga merupakan sumber dana utama bagi perbankan dalam menjalankan kegiatan operasionalnya yang berasal dari nasabah. Penelitian ini bertujuan untuk mengetahui pengaruh produk domestik bruto, inflasi IHK, suku bunga, profit loss sharing dan dana pihak ketiga tahun sebelum tahun diteliti (DPKt1) terhadap penghimpunan dana pihak ketiga perbankan syariah di Indonesia. Penelitian ini merupakan penelitian kuantitatif dengan metode ordinary least square. Populasi dalam penelitian ini adalah laporan statistik Bank Indonesia, Badan Pusat Statistik dan Otoritas Jasa Keuangan. Uji regresi linier berganda dan uji asumsi klasik dalam penelitian ini menggunakan E-views 10.0. Dari hasil penelitian diketahui bahwa peroduk domestik bruto, suku bunga berpengaruh negatif dan DPKt-1 berpengaruh positif signifikan terhadap penghimpunan dana pihak ketiga perbankan syariah. sedangkan, inflasi IHK dan profit loss sharing berpengaruh positif namun tidak signifikan terhadap penghimpunan dana pihak ketiga perbankan syariah di Indonesia.
Kata Kunci: Perbankan Syariah, dana pihak ketiga, produk domestik bruto, inflasi IHK, suku bunga, profit loss sharing, dana pihak ketiga tahun sebelum tahun diteliti (DPKt-1).
Abstract - Third party funds is the main source of funds for banks in carrying out their operational activities from customers. This study aims to determine the effect of gross domestic product, CPI inflation, interest rates, profit loss sharing and third party funds years before year researched (DPKt-1) to the collection of third party funds of sharia banking in Indonesia.this researched is a quantitave study by ordinary least square method. Population in this researched is statistical report of Bank Indonesia, Badan Pusat Statistik and Otoritas Jasa Keuangan. Multiple linear regression test and classical assumption test in this researched use E-views 10.0. the result of researched that gross domestic product, interest rates has a negative effect and DPKt-1 has a possitive and have significant impact effect to the collecting of third party funds of sharia banking. Whereas, CPI inflation, and profit loss sharing has a positive and insignificant impact effect to the collecting of third party funds of sharia banking in Indonesia.
Keywords: Sharia banking, third party funds, gross domestic product, CPI inflation, interest rates, profit loss sharing, third party funds years before year researched (DPKt-1)
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