APAKAH DEPOSAN MENGHUKUM BANK KARENA KINERJA BURUK?; PENGUJIAN EMPIRIS DISIPLIN PASAR BANK SYARIAH DI INDONESIA

Muhammad Rofi'i, Dioni Yurinda Rahmasuciana, Muhammad Refki Novesar, Ariel Nian Gani

Abstract


Penelitian ini bertujuan untuk menguji faktor-faktor yang mempengaruhi Disiplin Pasar pada Bank Syariah Indonesia. Data panel dikumpulkan dari laporan triwulanan perbankan 2010-2015 dari 10 Bank Umum Syariah. Metode analisis data menggunakan analisis regresi linier berganda untuk mengetahui pengaruh variabel spesifik bank terhadap simpanan bank syariah penuh. Penelitian ini menggunakan Model Fixed Effect untuk memberikan bukti empiris pada Disiplin Pasar Bank Syariah. Hasil empiris menunjukkan bahwa Non Performing Financing, dan Financing to Deposit Ratio berpengaruh negatif terhadap Disiplin Pasar. Temuan tersebut menambah bukti penting pada literatur terkait Disiplin Pasar khususnya di Bank Syariah.

Keywords


Disiplin Pasar; Rasio Kecukupan Modal; Rasio Pembiayaan Bermasalah; Biaya Operasional terhadap Pendapatan Operasional; Rasio Pembiayaan terhadap Deposito

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DOI: https://doi.org/10.33476/jobs.v1i2.1688

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