ANALISIS FAKTOR YANG MEMPENGARUHI DANA PIHAK KETIGA (DPK) PADA BANK UMUM SYARIAH DI INDONESIA

Nova Fuji Kosmayanti, - (2017) ANALISIS FAKTOR YANG MEMPENGARUHI DANA PIHAK KETIGA (DPK) PADA BANK UMUM SYARIAH DI INDONESIA. S1 thesis, Universitas Pendidikan Indonesia.

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Abstract

Potensi bank syariah sangat besar mengingat masyarakat Indonesia mayoritas muslim. Namun, Market Share perbankan syariah di industri perbankan nasional masih rendah.Oleh karena itu diperlukan usaha untuk meningkatkan Market Share tersebut salah satunya dari segi kinerja yang indikatornya yakni peningkatan aset diantaranya dapat dilihat dari peningkatan dana pihak ketiga (DPK). Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh inflasi, BI Rate, dan pendapatan bagi hasil terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia. Data yang digunakan adalah data time series periode Januari 2015 – Desember 2016, yang diterbitkan oleh Bank Indonesia dan laporan SPS (Statistik Perbankan Syariah). Penelitian ini menggunakan metode analisis regresi linier berganda. Hasil penelitian dengan menggunakan uji F, menunjukkan bahwa tingkat inflasi IHK, BI Rate, dan pedapatan bagi hasil secara simultan berpengaruh signigfikan terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia. Sedangkan hasil penelitian dengan menggunakan uji t, menunjukkan bahwa tingkat inflasi IHK secara parsial berpengaruh negative namun tidak signifikan terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia, BI Rate berpengaruh negative signifikan terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia, dan pendapatan bagi hasil berpengaruh positif namun tidak signifikan terhadap dana pihak ketiga pada Bank Umum Syariah di Indonesia.---The potential of Islamic banks is very large considering the majority of Indonesian Muslims. However, Sharia Banking Market Share in the national banking industry is still low. Therefore, it is necessary to increase the Market Share, one of them in terms of performance, which indicates that the increase in assets can be seen from the increase of third party funds (DPK). This study aims to examine and analyze the effect of inflation, BI Rate, and revenue-sharing on third party funds at Sharia Commercial Banks in Indonesia. The data used are time series data from January 2015 - December 2016, published by Bank Indonesia and SPS reports (Sharia Banking Statistics). This research use multiple linear regression analysis method. The result of the research using F test shows that the CPI inflation rate, BI Rate, and profit sharing rate simultaneously have significant influence on third party fund at Sharia Commercial Bank in Indonesia. While the result of research by using t test show that CPI inflation rate partially have negative but not significant effect to third party fund at Syariah Commercial Bank in Indonesia, BI Rate has significant negative effect to third party fund at Syariah Commercial Bank in Indonesia, and income for the results have a positive but insignificant impact on third party funds in Syariah Commercial Banks in Indonesia.

Item Type: Thesis (S1)
Additional Information: No. Panggil : S EKI NOV a-2017 Pembimbing I : A. Jajang W. Mahri II : Suci Aprilianti Utami NIM : 1305694
Uncontrolled Keywords: Inflasi IHK, BI Rate, bagi hasil, DPK
Subjects: H Social Sciences > H Social Sciences (General)
H Social Sciences > HB Economic Theory
H Social Sciences > HG Finance
H Social Sciences > HJ Public Finance
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam
Depositing User: DAM STAF Editor
Date Deposited: 22 Feb 2019 08:09
Last Modified: 22 Feb 2019 08:09
URI: http://repository.upi.edu/id/eprint/33873

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