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PROSPEK PENGEMBANGAN PERBANKAN SYARIAH NASIONAL PASCA UNDANG UNDANG PERBANKAN SYARIAH (ANALISIS DENGAN PENDEKATAN MODEL STATISTIKA CHOW TEST)

SHARE Journal of Islamic Economics and Finance

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Title PROSPEK PENGEMBANGAN PERBANKAN SYARIAH NASIONAL PASCA UNDANG UNDANG PERBANKAN SYARIAH (ANALISIS DENGAN PENDEKATAN MODEL STATISTIKA CHOW TEST)
 
Creator Khalidin, Bismi
 
Subject —
Growth of Islamic banking; Undang-Undang Perbankan Syariah; Chow Test
 
Description This article aims to determine the influence of Undang-Undang Perbankan Syariah (UUPS) on the growth of Islamic banking industry in Indonesia. The data was analyzed using econometric software, SHAZAM version 10.1. This study employs Ordinary Least Square (OLS), and Chow Test was utilized as a statistical instrument. The findings show that UUPS did not have a significant influence on the growth of Islamic banking in Indonesia. This was indicated by fact that third party fund (DPK), the number of depositors and amount of financing were not growing significantly. In addition, the application of Profit-Loss Sharing (PLS), as the core principle in Islamic banking operation, also did not show any significant change. This was supported by the fact that murabahah product was still dominant within the financing portfolio of Islamic banking in Indonesia.
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Penelitian ini bertujuan untuk mengetahui sejauhmana pengaruh Undang-Undang Perbankan Syariah (UUPS) terhadap pertumbuhan industri perbankan syariah nasional. Metode analisis yang dipakai adalah Ordinary Least Square (OLS), dengan instrumen statistik Chow Test. Pengolahan data menggunakan program ekonometrika SHAZAM Versi 10.1. Hasil penelitian menunjukkan bahwa UUPS tidak mempunyai pengaruh yang signifikan terhadap pertumbuhan industri perbankan syariah secara umum. Dana Pihak Ketiga, Jumlah Nasabah dan Pembiayaan tidak mengalami perubahan sama sekali. Disamping itu, penerapan sistem bagi hasil Profit-Loss Sharing (PLS) yang merupakan prinsip utama operasional perbankan syariah, juga tidak mengalami perubahan yang signifikan. Ini ditunjukkan dengan pembiayaan produk murabahah masih mendominasi portofolio pembiayaan industri perbankan syariah nasional.
 
Publisher Faculty of Islamic Economics and Business UIN Ar-Raniry
 
Contributor —
 
Date 2012-06-30
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
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Format application/pdf
 
Identifier http://jurnal.ar-raniry.ac.id/index.php/Share/article/view/715
10.22373/share.v1i1.715
 
Source SHARE Journal of Islamic Economics and Finance; Vol 1, No 1 (2012)
2549-0648
2089-6239
 
Language eng
 
Relation http://jurnal.ar-raniry.ac.id/index.php/Share/article/view/715/571
 
Rights Copyright (c) 2012 SHARE