Pengaruh Dana Pihak Ketiga, Rasio Keuangan Bank, Inflasi dan Bi Rate terhadap Volume Pembiayaan

Abstract

This study aims to find out how the influence of third party funds, bank financial ratios, inflation and the BI Rate on the volume of financing of sharia commercial banks registered in Bank Indonesia for 2012-2016 period. Factors tested in this research are third party funds, bank financial ratios, inflation and BI rate as independent variables. While the volume of financing as a dependent variable. The research method used in this research is descriptive research method with quantitative approach. In this study the population used is all Shariah commercial banks registered in Bank Indonesia period 2012-2016 which amounted to 11 Islamic banks. While the sample determination technique used in this research is non probability sampling with purposive sampling method, so the number of samples in this study amounted to 8 sharia commercial banks. Data analysis technique used in this study is multiple regression analysis at a significant level of 5%. The program used in analyzing data is by using SPSS 16.0. The results of the research show that third party funds, capital adequacy ratio (CAR), return on assets (ROA), financing to deposit ratio (FDR) and non performing financing (NPF) have a positive effect on financing volume. While inflation and BI rate negatively affect the volume of financing. In addition, the results of research also shows that the influence of third party funds, CAR, ROA FDR, NPF, inflation and BI rate in contributing influence on the volume of financing of 88.0%.