Analisis Faktor-Faktor yang Mempengaruhi Permintaan Pembiayaan pada Bank Syariah di Indonesia

Abstract

The aim of this study is to analyze the factors which influence demand for financing in Syariah Bank of Indonesia. The study consist of two demand financing system, namely demand for profit share system and selling and buying system. The method of analysis used is Ordinary Least Square (OLS). Based on the result of estimation, indicates that demand for profit share system is influenced by public saving, interest rate, exchange rate, and lag demand financing profit share system five months ago. Except lag demand financing profit share system one month ago has positively influenced but not significant and however, inflation negatively influence and significant. The result of estimation demand for selling and buying system positively influence and significant by public saving. Except interest rate and inflation negatively influence and significant. Exchange rate negatively influence but not significant. This findings support that there is no interest rate principle in financing system by profit share and selling-buying system, so that Shariah Bank tend to become strenght to face monetary effect and consistency in order to operate its function as intermediation.