ANALISIS PENGARUH FAKTOR MAKROEKONOMI DAN FAKTOR INTERNAL BANK TERHADAP MARKET SHARE PERBANKAN SYARIAH DI INDONESIA PERIODE 2015-2024

Alvaro, Fahreza (2026) ANALISIS PENGARUH FAKTOR MAKROEKONOMI DAN FAKTOR INTERNAL BANK TERHADAP MARKET SHARE PERBANKAN SYARIAH DI INDONESIA PERIODE 2015-2024. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Pertumbuhan market share perbankan syariah di Indonesia selama periode 2015–2024 masih cenderung lambat dan stagnan. Hingga akhir tahun 2024, market share perbankan syariah baru men capai 5,33% dari total aset perbankan nasional. Kondisi tersebut menunjukkan bahwa perkembangan perbankan syariah masih menghadapi berbagai tantangan dalam meningkatkan daya saingnya di tengah dominasi perbankan konvensional. Rendahnya market share dipengaruhi oleh faktor eksternal maupun faktor internal. Faktor ek sternal meliputi perubahan tingkat inflasi dan BI Rate yang memen garuhi daya beli masyarakat, preferensi masyarakat dalam menempat kan Dana Pihak Ketiga (DPK), serta permintaan terhadap pembiayaan syariah. Perubahan kondisi makroekonomi tersebut dapat memen garuhi kemampuan perbankan syariah dalam menghimpun dana dan menyalurkan pembiayaan. Sementara itu, faktor internal meliputi Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR) yang berperan dalam menjaga kecukupan modal, stabilitas likuiditas, serta kapasitas penyaluran pembiayaan sehingga berkontribusi ter hadap peningkatan market share perbankan syariah. Penelitian ini ber tujuan untuk menganalisis pengaruh inflasi, BI Rate, CAR, dan FDR terhadap market share perbankan syariah di Indonesia. Penelitian ini menggunakan landasan teori Structure Conduct–Performance (SCP) sebagai dasar dalam menjelaskan hub ungan antara struktur pasar, perilaku industri, dan kinerja perbankan syariah. Penelitian menggunakan pendekatan kuantitatif dengan metode penentuan sampel berupa sampel jenuh. Data yang digunakan merupakan data sekunder berupa laporan keuangan triwulanan Bank Umum Syariah di Indonesia yang dipublikasikan oleh Otoritas Jasa Keuangan (OJK) selama periode 2015–2024. Analisis data dilakukan menggunakan regresi linier berganda dengan metode Ordinary Least Square (OLS) melalui perangkat lunak EViews 10. Hasil penelitian menunjukkan bahwa secara parsial inflasi berpengaruh positif tetapi tidak signifikan terhadap market share per bankan syariah, sedangkan BI Rate berpengaruh negatif tetapi tidak signifikan. Sebaliknya, Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR) berpengaruh positif dan signifikan terhadap market share perbankan syariah. Secara simultan, inflasi, BI Rate, CAR, dan FDR berpengaruh positif dan signifikan terhadap market share perbankan syariah di Indonesia. Temuan ini menunjukkan bah wa penguatan permodalan dan optimalisasi penyaluran pembiayaan merupakan faktor utama dalam meningkatkan market share perbankan syariah, sementara stabilitas kondisi makroekonomi tetap menjadi faktor pendukung yang perlu diperhatikan. Oleh karena itu, perbankan syariah perlu memperkuat fundamental keuangan, meningkatkan efek tivitas intermediasi, serta menyusun strategi yang adaptif terhadap perubahan kondisi ekonomi guna mendorong pertumbuhan market share secara berkelanjutan. Kata kunci: market share, perbankan syariah, inflasi, BI Rate, Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR). ABSTRACT The market share growth of Islamic banking in Indonesia dur ing the 2015–2024 period has remained relatively slow and stagnant. By the end of 2024, the market share of Islamic banking accounted for only 5.33% of the total national banking assets. This condition indi cates that Islamic banking continues to face various challenges in im proving its competitiveness within the Indonesian banking industry. The low market share is influenced by both external and internal fac tors. External factors include changes in the inflation rate and the BI Rate, which affect consumers' purchasing power, public preferences in placing Third-Party Funds (TPF), and the demand for Islamic fi nancing. These macroeconomic changes may influence Islamic banks' ability to mobilize funds and distribute financing. Meanwhile, internal factors include the Capital Adequacy Ratio (CAR) and the Financing to-Deposit Ratio (FDR), which play essential roles in maintaining capital adequacy, liquidity stability, and financing capacity, thereby contributing to the growth of Islamic banking market share. There fore, this study aims to analyze the effects of inflation, the BI Rate, CAR, and FDR on the market share of Islamic banking in Indonesia. This study employs the Structure–Conduct–Performance (SCP) theory as the theoretical framework to explain the relationship between market structure, firm behavior, and banking performance. A quantitative research approach with a saturated sampling technique was applied. The study utilized secondary data obtained from the quarterly financial reports of Islamic Commercial Banks in Indonesia, published by the Financial Services Authority (Otoritas Jasa Keu angan/OJK), covering the period from 2015 to 2024. Data analysis was conducted using multiple linear regression based on the Ordinary Least Squares (OLS) method with EViews 10 software. The findings reveal that, partially, inflation has a positive but statistically insignificant effect on the market share of Islamic bank ing, while the BI Rate has a negative but statistically insignificant ef fect. In contrast, the Capital Adequacy Ratio (CAR) and the Financ ing-to-Deposit Ratio (FDR) have positive and statistically significant effects on the market share of Islamic banking. Simultaneously, inflation, the BI Rate, CAR, and FDR have a positive and statistically sig nificant effect on the market share of Islamic banking in Indonesia. These findings suggest that strengthening capital adequacy and opti mizing financing distribution are the primary determinants of increas ing the market share of Islamic banking, while maintaining macroe conomic stability remains an important supporting factor. Therefore, Islamic banks should strengthen their financial fundamentals, improve the effectiveness of their intermediation function, and develop adap tive strategies in response to changes in macroeconomic conditions to achieve sustainable market share growth. Keywords: market share, Islamic banking, inflation, BI Rate, Capital Adequacy Ratio (CAR), Financing-to-Deposit Ratio (FDR).

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