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All Journal Al Maal: Journal of Islamic Economics and Banking Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking)
R Bambang Budhijana
STIE Indonesia Banking School
Economics, Econometrics & Finance

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Analisis Faktor-Faktor Yang Mempengaruhi Pangsa Pasar Perbankan Syariah 2018 R Bambang Budhijana
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol 5, No 2 (2019): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Ba
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jemp.v5i2.243

Abstract

Berdasarkan Visi Perbankan Syariah di Indonesia harus mampu mendukung sektor riil melalui kegiatan pembiayaan berbasis saham dengan transaksi yang adil bagi seluruh masyarakat. Untuk mewujudkan hal tersebut, perlu dikembangkan Sumber Daya Manusia (SDI), Promosi dan Kebijakan Strategis Perbankan Syariah. Hal inilah yang menjadikan dasar dan tujuan penelitian tentang “Pengaruh Biaya Promosi, Biaya Pendidikan Diklat dan Renstra Pemerintah Terhadap Pangsa Pasar Perbankan Syariah di Indonesia”. Penelitian ini menggunakan data sekunder yang terdiri dari 77 bulan periode (2012-2018) yang diolah menggunakan eviews6 dengan Model Dynamic Tauhidi String Relations (TSR). Hasil yang diperoleh dari penelitian ini menunjukkan bahwa biaya promosi, biaya pendidikan dan biaya promosi berpengaruh positif dan signifikan terhadap pangsa pasar Perbankan Syariah di Indonesia. Pertumbuhan pangsa pasar saat ini menunjukkan masih kurangnya proses pembelajaran dan pemahaman masyarakat terhadap bisnis per-bankan syariah
Faktor - Faktor Yang Mempengaruhi Penyaluran Pembiayaan Perbankan Syariah Indonesia Periode 2009 - 2019 Warto Warto; R Bambang Budhijana
Al Maal: Journal of Islamic Economics and Banking Vol 1, No 1 (2019)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v1i1.1724

Abstract

Compared to conventional banking, the distribution of Islamic banking financing is more optimal, growth is continuous and asset enhancement is very good. This is indicated by the Financing to Deposit Ratio (FDR) which ranges between 94.88%. This means that a Sharia Bank is able to meet the targets and expectations of Bank Indonesia. Given the lack of Islamic banks and their limited assets, this optimization is certainly influenced by many factors, therefore it is necessary to test the factors that influence the distribution of Islamic banking financing, which includes Third Party Funds (DPK), Non Performing Financing (NPF) and Bank Indonesia Syariah Certificate (SBIS). This study uses the Sharia Commercial Bank and the Sharia Business Unit as a whole as a unit of research object, with the research period from 2009-2019 (in the quarterly period). The analysis technique used is multiple linear regression, while hypothesis testing uses the t-test to test the effect of variables partially, and the F-test to test the effect of variables simultaneously with a significance level of 5% or 0.05. Based on the research, it was found that Third Party Funds (TPF) had a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and insignificant effect on the distribution of bank financing. While Sharia Bank Indonesia Certificates (SBIS) have a negative and significant effect on the distribution of bank financing.
Co-Authors Warto Warto