Determinasi Total Aset Unit Usaha Syariah di Indonesia Tahun 2014-2019

Shovia Indah Firdiyanti, Muchlis Muchlis, Arif Afendi

Abstract


The research aims to determine of the effect of Office Channeling, Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and BI Rate on the total assets of sharia business units in 2014-2019. The research approach used is a quantitative. The data used is data in the form of time series obtained from sharia banking statistics reports published by the Financial Services Authority and BI Rate from Indonesian Banks. The population in this study are all sharia business units in Indonesia. The sample used was 60 data from October 2014 to September 2019. This study used multiple regression analysis that was processed through the SPSS 16.0 program.The results of hypothesis testing show that partially office channeling has a positive and significants effect with a regression value of 91,444. FDR has a negative but not significants effect with a regression value of -224,687. NPF has a negatice and significants effect with a regression value of -11559,375. And the BI Rate has a positive and significants effect with a regression value of 9270,970. Of the four independent variables shows that the magnitude of the effect largest variable is NPF. Therefore the bank must maintain the quality of the NPF so as not to interfere.

Keywords


total assets; office channeling (OC); financing to deposit ratio (FDR); non-performing financing (NPF); BI rate.

Full Text:

PDF

References


Arrazy, Z. (2015). Pengaruh DPK, FDR, dan NPF Terhadap Pertumbuhan Aset Bank Umum Syariah (BUS) di Indonesia Tahun 2010-2014. UIN Syarif Hidayatullah Jakarta.

Diamantin, Rohadatul Aisy dan Imron, M. (2016). Faktor-Faktor Yang Mempengaruhi Pertumbuhan Aset Bank Syariah Di Indonesia Tahun 2006-2015. Jurnal Ekonomi Syariah Dan Terapan, 3(3).

Diana, Djuwita, A. F. M. (2018). Pengaruh Total DPK, FDR, NPF dan ROA terhadap Total Asset Bank Syariah di Indonesia. Al-Amwal, 8(1).

Elda, O. dan S. T. N. (2019). Analisis Pengaruh CAR, NPF, BOPO, Inflasi, Produk Domestik Bruto dan Suku Bunga BI Terhadap Pertumbuhan Perbankan Syariah. Jurnal Ilmiah Ekonomi Dan Bisnis, 16(1).

Hidayati, A. N. (2014). Pengaruh Inflasi, BI Rate, dan Kurs Terhadap Profitabilitas Bank Syariah di Indonesia,. Jurnal An-Nisbah, 1(1).

Hosen, M. N. (2007). Menjawab Keraguan Umat Islam Terhadap Bank Syariah (1st ed.). PKES.

Itang. (2016). Peluang Dan Tantangan Spin Off Unit Usaha Syariah Menjadi Bank Umum Syariah. Alqalam, 33(1).

Musharianto, A. (2014). Suku Bunga Bank Indonesia, Financing To Deposit Ratio dan Kinerja Perbankan Syariah di Indonesia. Liquidity, 3(2).

Rohaya’, H. (2008). Perkembangan Skala Usaha Perbankan Syariah di Indonesia Pra dan Pasca Kebijakan Office Channeling. Jurnal Ekonomi Islam, 2(2).

Setyawati, I. (2015). Determinan Pertumbuhan Total Asset dengan Pendekatan Variabel Spesifik Bank dan Pangsa Pasar Pada Perbankan Syariah di Indonesia. Mediastima Tahun XXI, 2.

Sujarweni, W. (2017). Analisis Laporan Keuangan. Pustaka baru press.

Sulasi Rongiyati. (2015). Pengembangan Perbankan Syariah Melalui Pelaksanaan Kewajiban Pemisahan Unit Usaha Syariah. State of Law, 6(1), 66.




DOI: http://dx.doi.org/10.30813/bmj.v17i2.2427

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 Business Management Journal

BUNDA MULIA PRESS
PROGRAM STUDI MANAJEMEN
Lantai 3, Ruang Akademik Program Studi Manajemen - Universitas Bunda Mulia
Jl. Lodan Raya No. 2, Ancol – Jakarta Utara 14430, Indonesia
Telp: +62 21 692 9090 ext.1364
Email: friza@bundamulia.ac.id