Hadi Kostaman, - (2021) TOTAL DANA PIHAK KETIGA BANK UMUM SYARIAH SWASTA DI INDONESIA: ANALISIS TINGKAT BI RATE, NILAI KURS VALUTA ASING DAN TINGKAT LIKUIDITAS PERIODE 2012-2019. S1 thesis, Universitas Pendidikan Indonesia.
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Abstract
Pertumbuhan Dana Pihak Ketiga dinilai penting karena dana yang dimiliki oleh bank akan disalurkan oleh bank syariah kepada calon nasabah pembiayaan guna pengembangan ekonomi masyarakat sehingga dapat meningkatkan sektor riil. Namun pertumbuhan DPK diperbankan secara nasional mengalami perlambatan. Perlambatan ini sejalan dengan melambatnya perekonomian secara nasional. Jumlah penghimpunan dana pada Bank Umum Syariah Swasta di Indonesia dapat dipengaruhi oleh faktor internal maupun eksternal. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang dapat mempengaruhi total DPK BUS Swasta di Indonesia periode 2012-2019. Objek penelitian ini adalah tingkat BI Rate, nilai kurs valuta asing, tingkat likuiditas (FDR) serta total DPK. Sedangkan subjek yang digunakan adalah Bank Umum Syariah Swasta di Indonesia. Metode penelitian yang digunakan adalah korelasional dan pendekatan kuantitatif dengan desain penelitian verifikatif menggunakan analisis regresi linear berganda. Variabel dependen dalam penelitian ini adalah total DPK BUS Swasta. Variabel independen dalam penelitian ini adalah tingkat BI Rate, nilai kurs valuta asing, tingkat likuiditas (FDR). Hasil penelitian ini menunjukkan bahwa tingkat BI Rate, nilai kurs valuta asing, tingkat likuiditas (FDR) secara simultan berpengaruh terhadap total DPK BUS Swasta. Tingkat BI Rate tidak memiliki pengaruh terhadap total DPK. Sedangkan, nilai kurs valuta asing dan tingkat likuiditas (FDR) berpengaruh secara signifikan dengan arah positif terhadap total DPK BUS Swasta. The growth of Third Party Funds is considered important because the funds owned by the bank will be channeled by Islamic banks to prospective financing customers in order to develop the community's economy so that it can improve the real sector. However, the growth of third party funds sacrificed nationally has slowed down. This slowdown is in line with the slowing down of the national economy. The amount of raised funds at Private Sharia Commercial Banks in Indonesia can be influenced by internal and external factors. This study aims to determine the factors that can affect the total TPF of private BUS in Indonesia for the period 2012-2019. The object of this research is the level of the BI Rate, the value of foreign exchange rates, the level of liquidity (FDR) and total deposits. While the subject used is Private Sharia Commercial Banks in Indonesia. The research method used is a correlational and quantitative approach with a Verification research design using multiple linear regression analysis. The dependent variable in this study is the total TPF Private BUS. The independent variables in this study are the level of the BI Rate, the value of foreign exchange rates, the level of liquidity (FDR). The results of this study indicate that the level of the BI Rate, the value of foreign exchange rates, the level of liquidity (FDR) simultaneously affect the total TPF of private BUS. The BI Rate has no effect on total TPF. Meanwhile, the value of foreign exchange rates and the level of liquidity (FDR) have a significant effect in a positive direction on the total TPF of private banks.
| Item Type: | Thesis (S1) |
|---|---|
| Uncontrolled Keywords: | Total Dana Pihak Ketiga, Tingkat BI Rate, nilai kurs valuta asing, Tingkat Likuiditas |
| Subjects: | H Social Sciences > HB Economic Theory L Education > L Education (General) |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam |
| Depositing User: | Hadi Kostaman |
| Date Deposited: | 21 Jul 2021 07:35 |
| Last Modified: | 21 Jul 2021 07:35 |
| URI: | http://repository.upi.edu/id/eprint/61404 |
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