ANALISIS DETERMINAN SISI PENDANAAN DAN PEMBIAYAAN PADA BANK SYARIAH DI INDONESIA
Abstract
Bank is an intermediation institution that runs its function in accumulating fund and distributing finance. This study aims to find out the funding and financing factors of syariah banks in Indonesia. The object of this study was Bank Umum Syariah (Syariah General Bank) and Unit Usaha Syariah (Syariah Enterprise Unit). The data used in this study was secondary data obtained from Bank Indonesia and Otoritas Jasa Keuangan (Monetary Service Authority). The data sampling used was statistic monthly reports of Syariah banking within January 2013 – October 2017 period. According to the analysis, this study covers two stages. First, FDR has significant negative correlation with DPK, Profit Sharing has significant positive correlation with DPK, and Inflasi (Inflation) has insignificant negative correlation with DPK. Second, NPF has significant positive correlation with financing, CAR has positive correlation with financing, and ROA has positive correlation with financing. For Syariah banking, observing the FDR variable movement is needed in order to maintain the growth of DPK. For Profit Sharing and Bank Indonesia, coordination with government in controlling inflation is necessary so that people would not be influenced to save their fund in banking. Additionally, Syariah banking needs to improve its precaution in the consideration of financing distribution by observing the variable movements of NPF, CAR and ROA.