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Analisis Pengaruh Dana Pihak Ketiga Dan Financing To Deposit Ratio Terhadap Pembiayaan Perbankan Syariah

Authors: Agusria, L.; Hustia, A.;

Analisis Pengaruh Dana Pihak Ketiga Dan Financing To Deposit Ratio Terhadap Pembiayaan Perbankan Syariah

Abstract

Pembiayaan yang disalurkan perbankan syariah merupakan salah satu sumber pendapatan perbankan. Semakin mampu sebuah bank dalam mengelola dananya, maka bank tersebut akan meningkatkan pendapatannya. Namun, pada perbankan syariah di Sumatera Selatan pembiayaan masih cukup rendah bila dibandingkan dengan perbankan syariah dibeberapa provinsi Pulau Sumatera. Perlu adanya penelitian yang lebih mendalam mengenai faktor apa yang mempengaruhi pembiayaan tersebut. Hasil penelitian ini diharapkan dapat menjadi informasi bagi berbagai pemangku kepentingan untuk dapat membuat kebijakan-kebijakan yang mengarah kepada pembiayaan-pembiayaan di sektor riil dan mengurangi pembiayaan-pembiayaan konsumtif. Penelitian ini merupakan penelitian asosiatif, data yang digunakan bersumber dari laporan keuangan perbankan syariah yang dipublikasi melalui Laporan Keuangan Syariah Otoritas Jasa Keuangan dan Bank Indonesia. Analisis data menggunakan analisis jalur dengan model trimming. Hasil analisis menunjukkan bahwa (1) Perkembangan perbankan syariah di Provinsi Sumatera Selatan selama Januari 2013 hingga November 2017 secara umum mengalami penurunan; (2) Perkembangan total aset perbankan syariah di Provinsi Sumatera Selatan selama kurun waktu Januari tahun 2013 sampai dengan November 2017 mengalami fluktuasi naik turun. Jumlah total aset tertinggi terjadi pada tahun 2017; (3) Perkembangan pembiayaan yang disalurkan oleh Perbankan Syariah di Provinsi Sumatera Selatan mengalami peningkatan secara signifikan. Namun jika dilihat dari pertumbuhannya mulai bulai Januari 2013 sampai dengan November 2017 mengalami fluktuasi naik turun. Pertumbuhan tertinggi terjadi pada bulan Maret 2017, sementara penurunan terendah terjadi pada bulan September 2016; (4) Secara langsung variabel dana pihak ketiga dan financing to deposit ratio berpengaruh positif dan signifikan terhadap pembiayaan yang disalurkan perbankan syariah di Provinsi Sumatera Selatan; dan (5) Secara tidak langsung, variabel dana pihak ketiga dan financing to deposit ratio berpengaruh positif dan tidak signifikan terhadap pembiayaan yang disalurkan perbankan syariah di Provinsi Sumatera Selatan.

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Keywords

Dana Pihak Ketiga; Pembiayaan terhadap Deposito; Intervensi Aset; Pembiayaan Perbankan Syariah

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This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network.
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