Menetapkan Peran Pertumbuhan Ekonomi Dalam Memoderasi Faktor-Faktor Penentu Pembiayaan
DOI:
https://doi.org/10.37385/msej.v5i2.6437Keywords:
Pertumbuhan Ekonomi, Nilai Tukar, Inflasi, DPKAbstract
Dengan pertumbuhan ekonomi yang berperan sebagai faktor moderasi, tujuan dari penelitian ini adalah untuk mengetahui dampak DPK, inflasi, dan nilai tukar terhadap pendanaan perbankan syariah di Indonesia. Data yang digunakan adalah data sekunder yang dikumpulkan setiap bulan antara Januari 2016 sampai dengan Desember 2023. Statistik Perbankan Syariah Otoritas Jasa Keuangan (SPBS/OJK) dan Statistik Perbankan Syariah Bank Indonesia (SPS-BI) merupakan sumber statistik DPK dan pembiayaan. Situs web resmi BPS (www.bps.go.id) merupakan sumber data Indeks Produksi Industri (IPI), sedangkan situs web resmi BI (www.bi.go.id) merupakan sumber statistik inflasi dan nilai tukar. MRA merupakan singkatan dari moderated regression analysis, yang merupakan metode analisis data. Temuan analisis menunjukkan bahwa Dana Pihak Ketiga memiliki dampak yang sedikit menguntungkan terhadap industri perbankan syariah Indonesia. Di Indonesia, pembiayaan perbankan syariah dipengaruhi secara positif oleh inflasi, meskipun tidak signifikan. Di Indonesia, nilai tukar rupiah memiliki dampak negatif dan substansial terhadap pembiayaan perbankan syariah. Di Indonesia, dampak pendanaan eksternal terhadap pembiayaan perbankan Islam dapat dikurangi dengan ekspansi ekonomi. Pertumbuhan ekonomi dapat mengendalikan hubungan antara nilai tukar dan pembiayaan perbankan Islam di Indonesia, tetapi tidak dapat mengendalikan hubungan antara inflasi dan pembiayaan perbankan Islam di Indonesia.
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