Analisis Faktor-Faktor yang Berpotensi pada Perkembangan Market Share Perbankan Syariah di Indonesia

Authors

  • Hanifah Aminin Universitas Islam Negeri Raden Mas Said Surakarta
  • Fuad Hasyim Universitas Islam Negeri Raden Mas Said Surakarta
  • Rais Sani Muharrami Universitas Islam Negeri Raden Mas Said Surakarta

DOI:

https://doi.org/10.30651/jms.v8i3.20480

Abstract

Abstract

This study aims to analyze the potential factors in the development of Islamic banking market share in Indonesia from the indicators of ROA, DPK, BOPO, Equivalent Rate, and Number of ATMs. This study uses a quantitative approach from annual financial reports with a population of Islamic banking for the last 10 years. The sampling method with purposive sampling obtained 11 BUS for the period 2013-2022. While the data analysis method applies the panel data regression analysis method with the Eviews 10 program. The results obtained simultaneously variable ROA, DPK, BOPO, Equivalent rate, and Number of ATMs have an influence on the market share of Islamic banking in Indonesia. While partially ROA, BOPO, and Number of ATMs have no significant effect on the market share of Islamic banking in Indonesia. While DPK has a significant effect on the market share of Islamic banking in Indonesia, because the management is able to manage funds well so that the amount of DPK is getting bigger which can illustrate the higher public confidence in Islamic banking. Equivalent Rate has a significant effect on the market share of Islamic banking in Indonesia, because with a high rate of return, customers will be interested in transacting at Islamic banks.

Keywords: Islamic Financial Ratio, DPK, Equivalent Rate, Number of ATMs, Market Share

 

Abstrak

Penelitian ini memiliki tujuan guna menganalisa faktor-faktor yang berpotensi pada perkembangan market share perbankan syariah di Indonesia dari indikator ROA, DPK, BOPO, Equivalent Rate, dan Jumlah ATM. Penelitian ini memakai pendekatan kuantitatif dari laporan keuangan tahunan dengan populasi perbankan syariah selama 10 tahun terakhir. Metode pengambilan sampel dengan purposive sampling diperoleh 11 BUS periode 2013-2022. Sedangkan metode analisis data menerapkan metode analisis regresi data panel dengan program Eviews 10. Hasil penelitian diperoleh secara simultan variabel ROA, DPK, BOPO, Equivalent rate, dan Jumlah ATM memiliki pengaruh terhadap market share perbankan syariah di Indonesia. Sedangkan secara parsial ROA, BOPO, dan Jumlah ATM tidak berpengaruh signifikan terhadap market share perbankan syariah di Indonesia. Sedangkan DPK berpengaruh signifikan terhadap market share perbankan syariah di Indonesia, dikarenakan pihak manajemen yang mampu mengelola dana dengan baik sehingga jumlah DPK semakin besar yang dapat menggambarkan semakin tingginya kepercayaan masyarakat terhadap perbankan syariah. Equivalent Rate berpengaruh signifikan terhadap market share perbankan syariah di Indonesia, dikarenakan dengan tingkat pengembalian yang tinggi maka nasabah akan tertarik untuk bertransaksi pada bank syariah.

Kata kunci: Rasio Keuangan Syariah, DPK, Equivalent Rate, Jumlah ATM, Market Share

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Published

2023-10-25

How to Cite

Aminin, H., Hasyim, F., & Muharrami, R. S. (2023). Analisis Faktor-Faktor yang Berpotensi pada Perkembangan Market Share Perbankan Syariah di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 8(3). https://doi.org/10.30651/jms.v8i3.20480

Issue

Vol. 8 No. 3 (2023)

Section

Artikel

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