Analysis Of Internal Factors And External Factors On Asset Growth (Bus And UUS) In Indonesia For The Period 2008-2015

Abstract

The growth of Islamic banking assets is one of the indicators of Islamic banking development. The total assets of Islamic banking are used to calculate the market share of Islamic banking. In recent years, Islamic banking has experienced a slowdown in asset growth. This study aims to determine the influence of internal factors represented by financing growth, growth of Third Party Funds (DPK), and Non-Performing Financing (NPF) levels, as well as external factors represented by the Rupiah/USD Exchange Rate on the growth of assets of Sharia Commercial Banks (BUS) and Sharia Business Units (UUS) in Indonesia in the 2008-2015 period. The research model used was multiple linear regression analysis using the SPSS 18.0 analysis tool, and classical assumption testing was carried out on the estimated model. To determine the effect, simultaneously used f test (f-test), while to determine the effect, partially used t-test (t-test). The results of this study show that financing growth, Third Party Fund (DPK) growth, Non-Performing Financing (NPF) rate and Rupiah/USD Exchange Rate have a significant effect on asset growth simultaneously. Of the four independent variables, when tested partially, it turns out that only three variables have a significant effect on asset growth, namely the variable of financing growth and the growth of Third Party Funds (DPK), which has a significant positive effect, and the level of Non-Performing Financing (NPF) which has a significant negative effect, while the variable of the Rupiah / USD Exchange Rate has an insignificant effect on asset growth