Determinants of increasing the number of third-party funds in Shariah banking

Abstract

The study aims to determine factors can influence the number of third-party of sharia banking in Indonesia. The type of research used in this study was quantitative research with a descriptive approach. The population in this research was sharia banking that was registrered at the Financial Service Authority (Bahasa;OJK). The sample was sharia commercial banks and sharia business unts with variable profit sharing, inflation, and interest rate. This research used secondary data, namely sharia banking data published by Financial Service Authority (Bahasa;OJK), Bank Indonesia (BI), and the Indonesian Statistic (Bahasa;BPS) in 2015-2021. The data analyzed using multiple linier regression analysis with SPSS 26 tools. The research results showed that profit-sharing has a positive and significant influenced on third-party funds of sharia banking in Indonesia in 2015-2021. SBI interest rate significantly influenced third-party funds of sharia banking in Indonesia in 2015-2021. Simultaneously, profit sharing, inflation and SBI interest rates significantly influence third-party funds of sharia banks and sharia business units in Indonesia in 2015-2021.