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All Journal Islamic Economics and finance in Focus (IEFF)
Surya Saputra
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Religion Economics, Econometrics & Finance Social Sciences

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The Impact of Macroeconomic Variables on Third-Party Funds in Islamic Banks Surya Saputra; Ajeng Kartika Galuh
Islamic Economics and finance in Focus Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.2.02

Abstract

This study is motivated by the increasing role of Islamic banking in the national financial system and the inconsistent findings of previous studies regarding the determinants of Third-Party Funds (DPK). This study aims to analyze the effect of Gross Domestic Product (GDP), inflation, the BI Rate, and the exchange rate on the amount of Third-Party Funds in Islamic Commercial Banks during the 2016–2024 period. The Covid-19 pandemic is also included as a dummy variable to capture changes in public saving behavior during the crisis period. This study employs a quantitative approach using quarterly time-series secondary data. The data were analyzed using multiple linear regression with the Newey-West estimator through Stata 17 to address autocorrelation problems. The results indicate that GDP, inflation, and the exchange rate have a positive and significant effect on Third-Party Funds, while the BI Rate has a negative and significant effect. Simultaneously, all variables significantly influence Third-Party Funds in Islamic Commercial Banks. These findings imply that macroeconomic stability plays an important role in strengthening fund collection in Islamic banking.
Co-Authors Ajeng Kartika Galuh Kurnia Adi