ANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL TERHADAP MARKET SHARE PERBANKAN SYARIAH DI INDONESIA PERIODE 2008-2017

NURUL HANIFAH, NIM. 12820033 (2018) ANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL TERHADAP MARKET SHARE PERBANKAN SYARIAH DI INDONESIA PERIODE 2008-2017. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The a 5% market share of syariah banking has been targeted since the blue print of sharia banking development was released in 2002. Even though its growth is quite good and able to survive in the face of crisis, sharia banking has been able to attain the 5% of market share within 14 years—it is relatively slow growth for the world’s largest Muslim country. This research was intended to find out the factors that influence sharia banking market share in Indonesia externally and internally. The independent variables used to measure the growth of each market share were Deposit Interest rate (SDB), Gross Domestic Product (GDP), Inflation, Number of Sharia Bank Offices, and Capital Adequacy Ratio (CAR). The data were obtained from Sharia Commercial Bank (BUS) and Sharia Business Unit (UUS) in Indonesia and processed by using double regression analysis method. From the results, it can be said that the inflation and gross domestic product (GDP) had no significant effects on the sharia banking market share. On the other side, deposit interest rate had significant negative effect on the market share of sharia banking while the number of sharia bank offices and capital adequacy ratio (CAR) were vice versa. ( INDONESIA ) Target market share perbankan syariah di Indonesia sebesar 5% sudah dicanangkan sejak penerbitan cetak biru pengembangan perbankan syariah tahun 2002. Meskipun perbankan syariah mengalami pertumbuhan yang cukup baik dan mampu bertahan dalam menghadapi krisis, namun pencapaian market share 5% tersebut baru terealisasi dalam jangka waktu 14 tahun. Pertumbuhan tersebut tergolong lambat untuk negara berpenduduk muslim terbesar di dunia. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi market share perbankan syariah di Indonesia baik dari segi eksternal dan internal. Variabel independen yang digunakan untuk mengukur pertumbuhan market share masingmasing adalah tingkat suku bunga (suku bunga deposito bank umum konvensional), GDP, inflasi, jumlah kantor bank syariah, dan Capital Adequacy Ratio (CAR). Penelitian ini dilakukan pada Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) di Indonesia dengan menggunakan metode analisis regresi berganda. Dari hasil penelitian ini dapat disimpulkan bahwa inflasi dan GDP tidak berpengaruh terhadap market share. Suku bunga deposito (SDB) berpengaruh negatif signifikan sedangkan jumlah kantor bank syariah dan CAR berpengaruh positif signifikan terhadap market share perbankan syariah.

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