PENGARUH KUALITAS PERBANKAN SYARIAH DAN FAKTOR MAKROEKONOMI TERHADAP PEMBIAYAAN PERBANKAN SYARIAH DI INDONESIA (Studi Kasus pada Bank Umum Syariah Periode 2010.Q1 – 2015.Q4)
Abstract
Banking is an important part in a country’s economy. One of its roles is as an intermediation institution that can move the economy in society and will affect the national economy. In building of economy, it will always relate to the role of banking sector, since banking is a financing institution in real sector. This research aims to analyze the financing of Commercial Shatia Bank in Indonesia during 2011 to 2015 thah influenced by the banking quality and macro economy factors. The influences of banking quality were representated by DPK (Dana Pihak Ketiga/ A Third Party Fund) and Capital Adequacy Ratio (CAR). Whereas the macro economy was represented by Dollar/Rupiah Exchange Rate and the Interes Rate. The data used were secondary data in namely time series and cross section in the form of quarterly during the period March 2011 until December 2015. The method used for the reseach showed that the Dana Pihak Ketiga (DPK) variable and Dollar/Rupiah Exchange Rate gave singnificant and positive influence towards the Shariah Bank Financing. On the other hand, the variable of Capital Adequacy Ratio (CAR) and the Interest Rate had no significant influence towards the Shariah Bank Financing in Indonesia.