FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN BERBASIS BAGI HASIL PADA PERBANKAN SYARIAH DI INDONESIA

Abstract

Population in this research is obtained by using purposive sampling method at sharia public bank that registered in Bank Indonesia (BI) during the 2010-2016 period and based on predetermined criteria, the sample as much as 9 sharia banks. The object observations is 59 data. The analysis method that been used is multiple linear regression. With using the SPSS application tool (Statistic Product and Service Solutions) version 23.0. Based on the results of multiple linear regression analysis, the results of this research indicates that the level of profit sharing has a negative influence on financing, financing to deposit ratio has a positive influence on financing, non-performing financing negatively influenced the financing, and Certificate of Bank Indonesia Sharia has positiveinfluenced financing. Regression estimation results shows the model prediction capability of 46.9%, while the remaining 53.1% is influenced by variables outside the model.
Keywords: Revenue-based financing, financing to deposit ratio, capital adequacy ratio, and non performing financing.