Dinar: Jurnal Ekonomi dan Keuangan Islam
Vol 13, No 1: Januari 2026

THE EFFECT OF PROMOTION COSTS, FINANCING AMOUNT, AND THIRD-PARTY FUNDS ON MARKET SHARE AT PT BANK SYARIAH INDONESIA TBK

Afifa, Adinda (Unknown)
Maidalena, Maidalena (Unknown)
Nasution, Juliana (Unknown)



Article Info

Publish Date
01 Apr 2026

Abstract

This study aims to analyze the effect of promotional costs, financing amounts, and third-party funds (DPK) on the market share of PT Bank Syariah Indonesia Tbk (BSI). The study uses a quantitative approach with multiple linear regression methods. The data used are secondary data in the form of BSI's quarterly and annual financial reports obtained from official publications of Bank Syariah Indonesia and the Financial Services Authority (OJK). Data processing and analysis were carried out using IBM SPSS version 25 through classical assumption tests, regression tests, and partial and simultaneous hypothesis tests. The results show that promotional costs have a negative and significant effect on market share, indicating that the increase in the promotional budget has not been followed by optimal marketing strategy effectiveness. The amount of financing has a positive and significant effect on market share, so that financing is the main factor in expanding BSI's market share. Meanwhile, third-party funds (DPK) have a negative and insignificant effect on market share, indicating that the increase in DPK plays a more important role in maintaining liquidity than market expansion. Simultaneously, all three variables have a significant effect on market share with a coefficient of determination of 39.8%. These findings provide important implications for BSI management in formulating promotional strategies and financing optimization to strengthen the market position of Islamic banking.

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Journal Info

Abbrev

dinar

Publisher

Subject

Religion Social Sciences

Description

Dinar adalah jurnal ilmiah yang diterbitkan oleh Jurusan Ekonomi dan Keuangan Islam Universitas Trunojoyo Madura. Terbit pertama kali Agustus 2015. Jurnal ini memfokuskan pada kajian Ekonomi Islam dalam berbagai sudut pandang keilmuan. Redaksi mengundang para ahli dan segenap sivitas akademika untuk ...