ANALISIS PENGARUH PDB, INFLASI, TINGKAT BUNGA, DAN NILAI TUKAR TERHADAP DANA PIHAK KETIGA PERBANKAN SYARIAH DI INDONESIA 2008-2012 - abida mutaqiena abida mutaqiena (Economics Development Department, Universitas Negeri Semarang, Indonesia, 2013)
Abstrak___________________________________________________________________Seiring dengan perkembangan pesat Perbankan Syariah di Indonesia, jumlah Bank Syariahmeningkat dan pertambahan jaringan kantor cukup tinggi. Akan tetapi, pertumbuhan Dana PihakKetiga (DPK) Perbankan Syariah beberapa kali mengalami pelambatan, yaitu pada tahun 2008dan 2012. Padahal perkembangan suatu bank sangat dipengaruhi oleh kemampuannyamenghimpun dana dari masyarakat. Dari data pertumbuhan Perbankan Syariah dan penelitianterdahulu terlihat perlambatan pertumbuhan DPK identik dengan memburuknya indikatorekonomi makro. Oleh karena itu penelitian ini bermaksud menganalisis pengaruh PendapatanDomestik Bruto (PDB), Inflasi IHK, Suku Bunga Deposito Bank Umum konvensional, dan NilaiTukar Rupiah terhadap Dollar AS, terhadap Dana Pihak Ketiga Perbankan Syariah di Indonesia2008-2012. Analisis dilakukan dengan menggunakan analisis regresi linier berganda denganbantuan Eviews 6. Hasil penelitian menunjukkan bahwa PDB, Inflasi IHK, Suku Bunga Deposito1 Bulan Bank Umum, dan nilai tukar Rupiah secara simultan (Uji F) maupun parsial (Uji t)berpengaruh signifikan terhadap DPK Perbankan Syariah di Indonesia Tahun 2008-2012.Abstract___________________________________________________________________Along with the vast expansion of Islamic Banking in Indonesia, the number of full-fledged Islamic Bank officesincreased and the addition of office networks was quite high. However, the growth of Depositor Funds inIslamic Banking has slowed several times, that is in 2008 and 2012. Whereas the growth of a bank isinfluenced by the bank’s ability to raise its Depositor Funds from the public. From data of Islamic Banking’sGrowth and previous researches, we could see that Islamic Banking’s Depositor Funds’ slow growth is identicalwith worsened macroeconomic indicators. Therefore, this study intended to analyze the influence of GDP, CPIinflation, Conventional Bank time deposit’s interest rate, and USD to IDR exchange rate toward IslamicBanking’s Depositor Funds in Indonesia 2008-2012. Analysis was done with multiple linear regressionanalysis using Eviews 6. The result showed that GDP, CPI Inflation, Conventional Bank 1 Month timedeposit’s interest rate, and USD to IDR exchange rate simultaneously (F-test) and partially (t-test) influencedIndonesian Islamic Banking’s Depositor Funds in 2008-2012 significantly.