ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN PADA PERBANKAN SYARIAH DI INDONESIA PERIODE 2014-JUNI 2019
Abstract
The purpose of this study is to determine the effect of DPK, CAR, NPF, and ROA on Financing in Islamic Banking in Indonesia. In this study using the ECM (Error Correction Model) data analysis method which includes Stationarity Test, Integration Test, Cointegration Test, Short-Term Test, Long-Term Test, Classic Assumptions, and Hypothesis Test. This study uses secondary data obtained from Sharia Banking statistical data published by the Financial Services Authority from 2014 to June 2019.
The results obtained from the research conducted show that DPK has a positive effect on financing both in the short and long term. CAR has no effect on financing in the short term, whereas CAR has a positive effect on financing in the long run. NPF has a negative effect on financing both in the short and long term. ROA has a negative effect on financing in the short term, while ROA has no effect on financing in the long run. Overall DPK, CAR, NPF, and ROA affect the financing of Islamic Banking in Indonesia.