PENGARUH NISBAH BAGI HASIL, SUKU BUNGA PASAR DAN SIMPANAN TABUNGAN MASYARAKAT TERHADAP DANA PIHAK KETIGA PADA BANK UMUM SYARIAH DI INDONESIA

Abstrak

This study aims to analyze and determine the influence of Profit-Sharing Ratio, Market Interest Rate, and Public Savings Deposits on Third-Party Funds in Islamic Commercial Banks in Indonesia. This research employs a quantitative approach and uses secondary data in the form of annual data. The sample consists of 10 Islamic Commercial Banks (ICBs), selected using purposive sampling. The data analysis method applied in this study includes panel data regression analysis, Klassen typology analysis, coefficient of determination (R²), classical assumption tests, and hypothesis testing. The results of the simultaneous significance test (F-test) indicate that the variables of profit-sharing ratio, market interest rate, and public savings deposits collectively have a significant impact on third-party funds. Meanwhile, the partial significance test (T-test) reveals that the profit-sharing ratio significantly affects third-party funds, with a significance value of 0.0000 < 0.05. The market interest rate does not have a significant effect on third-party funds, with a significance value of 0.2316 > 0.05. Public savings deposits significantly influence third-party funds, with a significance value of 0.0016 < 0.05. The R² value is 98.57%, indicating that the independent variables account for 98.57% of the variance in the dependent variable, while the remaining 1.43% is due to other factors not included in the regression model. The analysis of trends in 2016 and 2018 provides an overview of Klassen typology divided into three and four quadrants: Quadrant I (Rapidly Growing), Quadrant II (Rapidly Growing but Risky), Quadrant III (Less Rapidly Growing & Low Risk), and Quadrant IV (Not Rapidly Growing & Risk). In 2020, the classification was divided into two quadrants: Quadrant I (Rapidly Growing) and Quadrant IV (Not Rapidly Growing & Risk).