PENGARUH INFLASI, SUKU BUNGA BANK INDONESIA, DANA PIHAK KETIGA, NILAI TUKAR DAN TOTAL ASET TERHADAP PEMBIAYAAN PADA PT BANK MUAMALAT INDONESIA (Studi Pada Bank Muamalat Indonesia Priode 2017-2024)

Bagas, Dwi Arifin (2026) PENGARUH INFLASI, SUKU BUNGA BANK INDONESIA, DANA PIHAK KETIGA, NILAI TUKAR DAN TOTAL ASET TERHADAP PEMBIAYAAN PADA PT BANK MUAMALAT INDONESIA (Studi Pada Bank Muamalat Indonesia Priode 2017-2024). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Penelitian ini di latar belakangi oleh fluktuasi pembiayaan pada PT Bank Muamalat Indonesia Tbk selama periode 2017–2024 yang tidak selalu sejalan dengan pertumbuhan Dana Pihak Ketiga (DPK) dan total aset, serta dipengaruhi oleh kondisi makroekonomi. Sebagai pelopor perbankan syariah di Indonesia, Bank Muamalat menghadapi tantangan akibat inflasi, perubahan suku bunga acuan yang ditetapkan oleh Bank Indonesia, serta fluktuasi nilai tukar rupiah, khususnya selama pandemi COVID-19 dan masa pemulihan ekonomi. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh inflasi, suku bunga Bank Indonesia, nilai tukar, Dana Pihak Ketiga, dan total aset terhadap pembiayaan pada Bank Muamalat Indonesia periode Maret 2017 hingga Desember 2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder berbentuk time series triwulanan dari Maret 2017 hingga Desember 2024. Data diperoleh dari laporan keuangan Bank Muamalat Indonesia dan publikasi resmi Bank Indonesia. Metode analisis yang digunakan adalah regresi linear berganda dengan bantuan aplikasi EViews. Pengujian hipotesis dilakukan melalui uji t, uji F, serta koefisien determinasi (R²). Selain itu, dilakukan uji asumsi klasik untuk memastikan model regresi valid. Hasil penelitian menunjukkan bahwa secara parsial suku bunga Bank Indonesia berpengaruh positif dan signifikan terhadap pembiayaan. Sementara itu, total aset dan nilai tukar berpengaruh negatif dan signifikan terhadap pembiayaan, sedangkan inflasi dan dana pihak ketiga tidak berpengaruh signifikan. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap pembiayaan dengan nilai R² sebesar 63%, yang berarti 63% variasi pembiayaan dapat dijelaskan oleh model, sedangkan 37% dipengaruhi oleh faktor lain. Kata Kunci: Inflasi, Suku Bunga Bank Indonesia, Nilai Tukar, Dana Pihak Ketiga, Total Aset, Pembiayaan.ABSTRACT This study is motivated by the fluctuation of financing at PT Bank Muamalat Indonesia Tbk during the 2017–2024 period, which did not always align with the growth of Third-Party Funds (TPF) and total assets, and was influenced by macroeconomic conditions. As the pioneer of Islamic banking in Indonesia, Bank Muamalat faced challenges due to inflation, changes in the benchmark interest rate set by Bank Indonesia, and fluctuations in the rupiah exchange rate, especially during the COVID-19 pandemic and the economic recovery period. Therefore, this study aims to analyze the effect of inflation, Bank Indonesia interest rate, exchange rate, Third-Party Funds, and total assets on financing at Bank Muamalat Indonesia from March 2017 to December 2024. This research uses a quantitative approach with secondary quarterly time-series data from March 2017 to December 2024. The data were obtained from the financial reports of Bank Muamalat Indonesia and official publications of Bank Indonesia. The analysis method applied is multiple linear regression using EViews software. Hypothesis testing includes the t-test, F-test, and coefficient of determination (R²). Classical assumption tests were also conducted to ensure the validity of the regression model. The results show that partially, the Bank Indonesia interest rate have a positive and significant effect on financing. Meanwhile, total assets and the exchange rate have a negative and significant effect on financing, while inflation and Third-Party Funds has no significant effect. Simultaneously, all independent variables significantly affect financing, with an R² value of 63%, indicating that 63% of financing variation is explained by the model, while the remaining 37% is influenced by other factors. Keywords: Inflation, Bank Indonesia Interest Rate, Exchange Rate, Third-Party Funds, Total Assets, Financing. Keywords: Inflation, Bank Indonesia Interest Rate, Exchange Rate, Third Party Funds, Total Assets, Financing.

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