PENGARUH INFLASI, KURS, DAN BAGI HASIL TABUNGAN TERHADAP DANA PIHAK KETIGA PADA BANK UMUM SYARIAH DI INDONESIA (PERIODE 2017-2022)

MOHD., NUR AGUNG IMLA (2024) PENGARUH INFLASI, KURS, DAN BAGI HASIL TABUNGAN TERHADAP DANA PIHAK KETIGA PADA BANK UMUM SYARIAH DI INDONESIA (PERIODE 2017-2022). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Dana pihak ketiga adalah dana yang dihimpun oleh bank dan berasal dari masyarakat luas, terdiri dari giro (deman deposit), simpanan tabungan (saving deposit) dan simpanan deposito (time deposit)”. Dana pihak ketiga atau biasa disebut DPK merupakan dana penting bagi kegiatan operasional suatu bank dan merupakan ukuran keberhasilan bank jika mampu membiayai operasinya. Meskipun secara nominal naik, namun terdapat beberapa perlambatan pertumbuhan dalam perkembangan DPK Bank umum syariah selama kurun waktu 10-15 tahun terakhir, serta disaat yang bersamaan, terjadi fenomena yaitu DPK juga bisa stabil ditengah rintangan ekonomi/ non ekonomi seperti covid-19 yang bisa terdapat kaitannya dengan fenomena penurunan DPK pada 2 triwulan di rentang 2017-2022. Rumusan masalah yang diajukan meliputi Bagaimana pengaruh Inflasi terhadap DPK pada Bank umum syariah di Indonesia?, Bagaimana pengaruh Kurs terhadap DPK pada Bank umum syariah di Indonesia?, dan Bagaimana pengaruh Bagi hasil tabungan terhadap DPK pada Bank Umum syariah di Indonesia?, Serta bagaimana pengaruh Inflasi, Kurs, dan Bagi hasil tabungan terhadap DPK pada Bank Umum Syariah di Indonesia secara bersama sama? Memiliki rentang periode 2017-2022. Penelitian ini bertujuan untuk mengetahui pengaruh Inflasi, Kurs, dan Bagi Hasil Tabungan terhadap DPK Bank Umum Syariah di Indonesia periode 2017-2022. Penelitian ini menggunakan metode pendekatan deskriptif�kuantitatif dan menggunakan data sekunder, Populasi penelitian ini adalah 13 Bank Umum Syariah di Indonesia dengan data 24 triwulan, dan jenis sampel yang digunakan adalah sampel jenuh berupa data (gabungan) DPK triwulan Bank Umum Syariah di Indonesia, yang berjumlah 24 sampel. Analisis data berjenis analisis regresi linear berganda menggunakan software Eviews 10. Dengan Uji asumsi klasik, transformasi data, kemudian dilanjutkan uji hipotesis. Hasil penelitian ini menunjukkan bahwa Inflasi tidak berpengaruh terhadap DPK BUS di Indonesia, Kurs USD berpengaruh positif dan signifikan, serta Bagi Hasil Tabungan/ Equivalent Rate Tabungan berpengaruh negatif dan signifikan terhadap DPK BUS di Indonesia. Secara simultan atau bersama sama, Inflasi, Kurs dan Bagi Hasil Tabungan berpengaruh signifikan terhadap DPK BUS di Indonesia. Kata Kunci : Dana Pihak Ketiga, Inflasi, Kurs, Bagi Hasil Tabungan, Bank Umum Syariah. ABSTRACT "Third party funds are funds collected by banks from the wider community, consisting of demand deposits, savings deposits and time deposits." Third party funds or commonly called DPK are important funds for a bank's operational activities and are a measure of a bank's success if it is able to finance its operations. Even though in nominal terms it has increased, there has been some slowdown in growth in the development of sharia commercial bank deposits over the last 10-15 years, and at the same time, there has been a phenomenon, namely that deposits can also be stable amidst economic/non-economic obstacles such as Covid-19 which can occur. in relation to the phenomenon of decreasing TPF in 2 quarters in the 2017-2022 range. The formulation of the problem proposed includes: How does inflation affect DPK at Islamic commercial banks in Indonesia? How does the exchange rate affect DPK at Islamic commercial banks in Indonesia? Inflation, Exchange Rates and Savings Profit Sharing on Third Party Funds at Sharia Commercial Banks in Indonesia together? Has a period range of 2017-2022. This research aims to determine the influence of Inflation, Exchange Rates and Savings Profit Sharing on DPK from Sharia Commercial Banks in Indonesia for the 2017-2022 period. This research uses a descriptive-quantitative approach method and uses secondary data. The population of this research is 13 Sharia Commercial Banks in Indonesia with 24 quarterly data, and the type of sample used is a saturated sample in the form of quarterly DPK data from Sharia Commercial Banks in Indonesia, which totaling 24 samples. Data analysis was in the form of multiple linear regression analysis using Eviews 10 software. With classical assumption testing, data transformation, then continued with hypothesis testing. The results of this research show that inflation has no effect on BUS DPK in Indonesia, the USD exchange rate has a positive and significant effect, and Savings Profit Sharing/Savings Equivalent Rate has a negative and significant effect on BUS DPK in Indonesia. Simultaneously or together, inflation, exchange rates and savings profit sharing have a significant effect on BUS deposits in Indonesia. Keywords: Third Party Funds, Inflation, Exchange Rates, Sharia Profit Sharing, Sharia Commercial Banks.

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