FAKTOR-FAKTOR PENENTU DANA PIHAK KETIGA BANK UMUM SYARIAH DI INDONESIA TAHUN 2010-2017

Authors

  • Agusti Nia Aghnawati Fakultas Ekonomi dan Bisnis Universitas Sebelas Maret
  • Malik Cahyadin Faculty of Economics and Business Universitas Sebelas Maret

DOI:

https://doi.org/10.33633/jpeb.v4i2.2552

Abstract

Perkembangan dana pihak ketiga (DPK) Bank Umum Syariah (BUS) cenderung  meningkat setiap tahun. Peningkatan ini diharapkan relevan dengan peningkatan kinerja keuangan usahanya. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi dana pihak ketiga Bank Umum Syariah di Indonesia pada tahun 2010-2017. Metode analisis data menggunakan data panel dengan Random Effect Model (REM). Metode ini dipilih sebagai model terbaik berdasarkan Uji Chow, Uji Hausman, dan Uji Lagrange Multiplier. Data penelitian ini terdiri atas time series sebanyak 8 tahun dan cross section sebanyak 10 BUS. Sumber data penelitian diperoleh dari Bank Indonesia (BI) dan Otoritas Jasa Keuangan (OJK). Variabel independen dalam penelitian ini adalah bagi hasil, biaya promosi, dan jumlah kantor layanan. Hasil penelitian ini menunjukkan bahwa selama periode penelitian bagi hasil, jumlah kantor layanan, dan biaya promosi berpengaruh positif dan signifikan terhadap DPK BUS. Selain itu, hasil uji koefisien determinasi (R2) yaitu sebesar 0.869811. Hal tersebut menunjukkan bahwa sebesar 86.9811% variasi variabel dependen dijelaskan oleh variasi variabel independen. Untuk itu, BUS dapat mengkaji ulang penetapan tingkat bagi hasil, biaya promosi dan jumlah kantor layanan untuk mendorong capaian dana pihak ketiga secara progresif.

Author Biographies

Agusti Nia Aghnawati, Fakultas Ekonomi dan Bisnis Universitas Sebelas Maret

Development Economics

Malik Cahyadin, Faculty of Economics and Business Universitas Sebelas Maret

Economics Development

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Published

2019-09-23

How to Cite

Aghnawati, A. N., & Cahyadin, M. (2019). FAKTOR-FAKTOR PENENTU DANA PIHAK KETIGA BANK UMUM SYARIAH DI INDONESIA TAHUN 2010-2017. Jurnal Penelitian Ekonomi Dan Bisnis, 4(2), 132–142. https://doi.org/10.33633/jpeb.v4i2.2552

Issue

Vol. 4 No. 2 (2019): Jurnal Penelitian Ekonomi dan Bisnis

Section

Articles

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