Analisis Pengaruh Financing To Deposit Ratio (FDR), Non Performing Financing (NPF), Suku Bunga Dan Bank Size Terhadap Pembiayaan KPR Syariah (Studi Kasus Pada Bank Umum Syariah di Indonesia dan Malaysia Periode 2010-2016)

Pudji Astuty dan Nisa Nurjanah

Abstract


This study aims to determine the Influence Analysis of Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Interest Rate and Bank Size Against Sharia Loan Financing partially or simultaneously in Bank Syariah period 2010-2016. Population in this research use purposive sampling method with variable of FDR, NPF, Interest Rate, and Bank Size on KPR Financing. After the selection, the target population used amounted to 15 banks covering 7 Bank Syariah Indonesia and 8 Bank Syariah Malaysia. The method of analysis used is panel data regression. The selected model is the Random Effect Model, then tested with a significance level of 5%. The result of f test shows that in this research, the variable of FDR, NPF, Interest Rate and Bank Size simultaneously have an effect on to KPR Syariah Financing. Adjust R2 shows that in this study all independent variables contribute 69% to the dependent variable, whereas 31% is influenced from other independent variables not described in this model.

Keywords: Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Interest Rate, Bank Size, Financing of KPR Syariah.

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