Pengaruh Bagi Hasil, SIZE, FDR, dan Bi 7-Day Repo Rate terhadap Peghimpunan Dana Pihak Ketiga Bank Umum Syariah di Indonesia Periode 2014-2019

The Effects from Profit Sharing, Bank Size, Financing to Deposit Ratio (FDR), and BI 7-Day Repo Rate on the Collection of Thirdparty Funds at Islamic Commercial Banks in Indonesia Period 2014-2019

Tujuan penulis melakukan penelitian adalah untuk mengetahui pengaruh bagi hasil, SIZE, FDR, dan BI 7-Day Repo Rate terhadap penghimpunan DPK Bank Umum Syariah di Indonesia periode 2014-2019. Pada penelitian ini analisis data menggunakan model regresi linear berganda. Sampel yang digunakan dalam penelitian sebanyak 12 Bank Umum Syariah di Indonesia periode 2014-2019. Hasil penelitian menunjukkan bahwa secara silmutan bagi hasil, ukuran bank, FDR, dan BI 7-Day Repo Rate berpengaruh terhadap penghimpunan Dana Pihak Ketiga (DPK) Bank Umum Syariah di Indonesia periode 2014-2019. Sedangkan secara parsial bagi hasil berpengaruh positif terhadap dana pihak ketiga, ukuran bank berpengaruh positif terhadap dana pihak ketiga, FDR berpengaruh negatif terhadap dana pihak ketiga, dan Bi 7-Day Repo Rate tidak berpengaruh terhadap dana pihak ketiga.   

Kata Kunci: Suku Bunga; FDR; Bagi Hasil; Ukuran Bank; Dana Pihak Ketiga    

The purpose of this research is to determine the effects from profit sharing, bank size, financing to deposit ratio (FDR), and BI 7-Day Repo Rate on the collection of thirdparty funds at islamic commercial banks in Indonesia period 2014-2019. The method of analysis used in this research is Multiple Linear Regression model. The sample of this research was 12 islamic commercial Bank in Indonesia period 2014-2019. The result showed that simultaneously these four variables, namely: profit sharing, bank size, financing to deposite ratio (FDR), and BI 7-Day Repo Rite had effect on the collection of thirdparty funds (DPK) at Islamic commercial banks in Indonesia in 2014-2019. While partially the profit sharing has a positive effect on third party funds, the bank size has a positive effect on third party funds, the financing to deposit ratio (FDR) has a negative effect on third party funds, and BI 7-Day Repo Rate doesn’t effect on third party funds.

Keywords: BI Rate; FDR; Profit Sharing; SIZE, Third Party Fund