ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN BERBASIS MARGIN PADA BANK UMUM SYARIAH DI INDONESIA

Abstract

The focus of this research is testing five independent variables, such as Non Performing (NPF), inflation, Capital Adequacy Ratio (CAR), Gross Domestic Product (GDP), and Dana Pihak Ketiga (DPK) and their effects towards margin based payment at Islamic Public Bank in Indonesia. This research used financial report period 2006 to 2013 with 11 populations which are the number of Islamic Public Bank in Indonesia. The tested data were obtained from Three Months Publication Financial Report of Islamic public Bank from the period of 2006 to 2013. The technique of data analysis in this research is double linear regression that the purpose is to get the whole description related to connection of each variable. In this research, the used classic assumption tests are normality test, auto correlation, heteroscedastisity, and multicolinearity. From the research result, it can be concluded that NPF and DPK have positive effect towards margin based payment. On the other hand, inflation and GDP variables have no influence towards margin based payment. Finally, CAR as the independent variable has negative effect towards margin based payment.
Key Words: Non Performing Finance (NPF), Inflation, Capital Adequacy Ratio (CAR), Gross Domestic Product (GDP), Dana Pihak Ketiga (DPK), Margin Based Payment.