PEMBIAYAAN BANK SYARIAH DI INDONESIA DAN FAKTOR-FAKTOR YANG MEMPENGARUHINYA (PERIODE MARET 2010 – APRIL 2014)
Abstract
Sharia Bank is one of the financial institutions whose role to distribute the funds from the surplus and defisit. It different from conventional bank which uses interest in collecting and distributing funds, Sharia Bank used financing as a contract. As a sharia bank, all the transaction doesn't use interest.
This research is motivated by Sharia Bank was growth rapidly According to statistic calculation by Financial Services Authority Publication. As financing is the main activity in sharia bank, it is necessary to examine the factors that affect the financing of sharia bank.
The examination used Third Party Fund variable, the amount of Money circulation, and Interest rate as independent variable that affected to the Sharia bank financing. The analysis method used Error Correction Model.
The study result showed that in the long term Third Party Fund variable, the amount of Money circulation and Interest rate have positive and significant effect on the number of financing. Other wise, in the short term only have two variables: Third Party Fund variable and the amount of Money circulation which affect to the number of financing.Only interest rate variable which had no significant effect in the short term financing.