The Influence of Financing to Deposit Ratio (FDR), Third Party Funds (DPK) and Capital Adequacy Ratio (CAR) on Musyarakah Financing

(Empirical study of Sharia Commercial Banks registered with the Financial Services Authority 2019-2022)

Authors

  • Aldi Teguh Wijaya Swadaya Gunung Jati University
  • Janiman Lie Swadaya Gunung Jati University

DOI:

https://doi.org/10.37010/jdc.v5i1.1574

Keywords:

financing to deposit ratio (FDR), third party funds (DPK), capital adequacy ratio (CAR), musyarakah financing

Abstract

Musyarakah financing is one of the profit-loss sharing financing agreements at Islamic Commercial Banks. Where the Distribution of Musyarakah Financing is one of the core products at Islamic Commercial Banks which can begin to compete with Financing products with Sale Purchase or Murabahah contracts. This study aims to analyze the effect of the Financing to Deposit Ratio (FDR), Third Party Funds (DPK) and Capital Adequacy Ratio (CAR) on Musyarakah Financing at Islamic Commercial Banks registered at OJK for the 2019-2022 period. This research is a type of Quantitative Research with research methods used using descriptive analysis methods and classical assumptions consisting of the Normality Test, Multicolonearity Test, Heteroscedasticity Test and Autocorrelation Test. Data analysis techniques using Multiple Regression Analysis, T Test and Coefficient of Determination Test (R2). The population in this study The population in this study totaled 13 Islamic Banks from 2019-2022 with a total sample of 10 Islamic Banks with 4 years of research, so that 40 sample data were obtained. The sampling technique uses purposive sampling. The secondary data used is the annual financial report data from each bank which is published through their respective websites. The results of the study show that the Financing to Deposit Ratio (FDR), Third Party Funds (DPK) and Capital Adequacy Ratio (CAR) variables partially affect Musyarakah Financing.

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References

Ghozali, I (2018). Aplikasi Analasis Multivariate dengan Program IBM SPSS 25. Penerbit Univesitas Diponegoro.

Gunando, D. S., Sprihati, & Asriti, F. W. (2018). Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK), dan Return on Asset (ROA) terhadap Pembiayaan Musyarakah. Edunomika, 2(2), 219-230.

Sri, N., & Wasilah. (2019). Akuntansi Syariah di Indonesia. Jakarta: Salemba Empat.

Sugiyono. (2022). Metode Penelitian Kuantitatif Kualitatif dan R&D. Alfabeta.

Widiwati, R., & Rusli, D. (2020). Pengaruh Dana Pihak Ketiga, Financing to Deposit Ratio, Capital Adequancy Ratio dan Non Performing Financing terhadap Pembiayaan Murabahah. From Repository STEI : http://repository.stei.ac.id/2063/1/NASKAH%20PUBLIKASI%20INDONESIA_11160000150_RASKIM%20WIDIWATI%20pdf.pdf

Published

2024-06-15

How to Cite

Wijaya, A. T., & Lie, J. (2024). The Influence of Financing to Deposit Ratio (FDR), Third Party Funds (DPK) and Capital Adequacy Ratio (CAR) on Musyarakah Financing: (Empirical study of Sharia Commercial Banks registered with the Financial Services Authority 2019-2022). JUDICIOUS, 5(1), 88–96. https://doi.org/10.37010/jdc.v5i1.1574

Issue

Section

Finance Management
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