Pengaruh Variabel Makroekonomi terhadap Dana Pihak Ketiga Bank Umum Syariah Periode 2015–2025
Keywords:
Third Party Funds, Inflation, BI Rate, Exchange Rate, Gross Domestic ProductAbstract
This study analyzes the macroeconomic factors affecting Third Party Funds (TPF) in Islamic commercial banks in Indonesia during 2015–2025, motivated by the strategic role of TPF as the primary funding source in Islamic banking and its vulnerability to macroeconomic changes. A quantitative approach was employed using quarterly time-series data obtained from official institutions, including the Financial Services Authority, Bank Indonesia, and the Central Statistics Agency, and analyzed through multiple linear regression using E-Views 10. The independent variables consist of inflation, BI Rate, exchange rate, and Gross Domestic Product (GDP), while TPF serves as the dependent variable. Prior to hypothesis testing, classical assumption tests were conducted to ensure the validity of the regression model. The findings reveal that inflation has a negative and significant effect on TPF, whereas the exchange rate and GDP have positive and significant effects, while the BI Rate does not significantly affect TPF. Simultaneously, all independent variables significantly influence TPF, indicating that macroeconomic stability plays a crucial role in encouraging public fund accumulation in Islamic banking and providing practical implications for policymakers and banking institutions.
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References
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