PENGARUH PERTUMBUHAN FAKTOR EKSTERNAL DAN INTERNAL TERHADAP PERTUMBUHAN DANA PIHAK KETIGA BANK SYARIAH

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh pertumbuhan suku bunga, inflasi, Produk Domestik Bruto (PDB), biaya promosi dan tingkat bagi hasil terhadap pertumbuhan dana pihak ketiga (DPK) secara parsial maupun simultan. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis regresi data panel dengan bantuan program Eviews 6. Hasil menunjukkan bahwa secara parsial, variabel pertumbuhan suku bunga, inflasi dan PDB berpengaruh signifikan negatif terhadap pertumbuhan DPK. Variabel tingkat bagi hasil berpengaruh signifikan positif terhadap pertumbuhan DPK, sedangkan variabel biaya promosi tidak berpengaruh signifikan terhadap pertumbuhan DPK. Secara  simultan, hasil menunjukkan bahwa variabel pertumbuhan suku bunga, inflasi, PDB, biaya promosi dan tingkat bagi hasil berpengaruh signifikan terhadap pertumbuhan DPK bank umum syariah di Indonesia periode 2014-2018. Kata Kunci: Dana Pihak Ketiga, Suku Bunga, Inflasi, Produk Domestik Bruto, Biaya Promosi, Tingkat Bagi Hasil, Pertumbuhan. ABSTRACTThis study aims to determine the effect of growth interest rate, inflation, Gross Domestic Product (GDP), promotional costs and profit-sharing rates on the growth of third party funds (TPF) partially and simultaneously. This study uses a quantitative approach with panel data regression techniques with Eviews 6. The result shows that partially the variables of interest rate growth, inflation growth and GDP growth have a significant negative effect on TPF growth. The profit-sharing rate variable has a significant positive effect on TPF growth, while the promotional cost variable has no significant effect on TPF growth. Simultaneously, the results show that the growth interest rate, inflation, GDP, promotion costs and profit-sharing rates variable significantly influence the growth of TPF sharia commercial banks in Indonesia from 2014 to 2018.Keywords: Third Party Funds, Interest Rates, Inflation, Gross Domestic Product, Promotion Costs, Profit Sharing Rates, Growth.