Analisis Pengaruh Financing To Deposit Ratio, Non Performing Financing, 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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DOI: https://doi.org/10.37721/je.v20i1.306

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