ANALISIS FAKTOR INTERNAL DAN EKSTERNAL YANG MEMPENGARUHI TOTAL DANA PIHAK KETIGA (DPK) BANK UMUM SYARIAH DI INDONESIA (Studi pada Bank Umum Syariah Periode 2011-2013)
Abstract
The purposes of this research are to examine the influence of profit sharing rate,
number of Islamic bank’s branch offices, Gross Domestic Product and inflation on third
party fund of Islamic banking in Indonesia.
The population in this study is the Islamic banks. This research used secondary data
by quarterly financial reports that Islamic bank’s in the Indonesia bank's website. Samples of
this research consist of 3 Islamic banking that listed in Islamic banking statistic in the
Indonesia Bank’s website during the period of first quarter 2011 to second quarter 2013.3
Islamic banking is Bank Syariah Mandiri (BSM), Bank Muamalat Indonesia (BMI), and Bank
Syariah Mega Indonesia (BSMI). This research is used multiple regression as analysis model.
The results of research using the F test, indicate that the profit sharing rate, number
of Islamic bank’s branch offices, Gross domestic product and inflation, simultaneously have
significant effect on the total third party funds sharia banks in Indonesia. Research using the
t test, that the profit sharing rate, partially have effect on the total third party funds Islamic
banks in Indonesia, while a variable number of Islamic bank’s branch offices, gross domestic
product and inflation have no effect on the total deposits sharia banks in Indonesia. Variable
profit sharing rate has a dominant influence on the total third party funds. Variation in total
deposits that can be explained by a variable profit sharing rate, number of Islamic bank’s
branch offices, Gross domestic product and inflation in the regression equation by 32.8%,
while the remaining 67,2% is explained by other variables outside the model equations.
Key words: profit sharing rate, number of Islamic bank’s branch offices, gross domestic
product, inflation, Third Party Fund, Islamic bank in Indonesia, multiple
regression.
number of Islamic bank’s branch offices, Gross Domestic Product and inflation on third
party fund of Islamic banking in Indonesia.
The population in this study is the Islamic banks. This research used secondary data
by quarterly financial reports that Islamic bank’s in the Indonesia bank's website. Samples of
this research consist of 3 Islamic banking that listed in Islamic banking statistic in the
Indonesia Bank’s website during the period of first quarter 2011 to second quarter 2013.3
Islamic banking is Bank Syariah Mandiri (BSM), Bank Muamalat Indonesia (BMI), and Bank
Syariah Mega Indonesia (BSMI). This research is used multiple regression as analysis model.
The results of research using the F test, indicate that the profit sharing rate, number
of Islamic bank’s branch offices, Gross domestic product and inflation, simultaneously have
significant effect on the total third party funds sharia banks in Indonesia. Research using the
t test, that the profit sharing rate, partially have effect on the total third party funds Islamic
banks in Indonesia, while a variable number of Islamic bank’s branch offices, gross domestic
product and inflation have no effect on the total deposits sharia banks in Indonesia. Variable
profit sharing rate has a dominant influence on the total third party funds. Variation in total
deposits that can be explained by a variable profit sharing rate, number of Islamic bank’s
branch offices, Gross domestic product and inflation in the regression equation by 32.8%,
while the remaining 67,2% is explained by other variables outside the model equations.
Key words: profit sharing rate, number of Islamic bank’s branch offices, gross domestic
product, inflation, Third Party Fund, Islamic bank in Indonesia, multiple
regression.
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