THE IMPACT OF THIRD-PARTY FUNDS (DPK) ON DISBURSED FINANCING (PYD) IN INDONESIA SHARIA BANKS: AN EMPIRICAL STUDY

Abstract

Islamic bank financing is highly dependent on third-party funds. Fluctuations in the amount of funds raised affect the bank's capacity to provide financing. Meanwhile, the data obtained, namely savings and current accounts, have always increased while deposits have decreased, while the amount of financing has always increased yearly at Bank Syariah Indonesia for the period 2021-2024. So this research was conducted to see whether third-party funds affect the financing channel. The research approach used is quantitative research in the form of description. The type of research used is library research. The data source used is secondary data through documentation studies obtained from the monthly financial statements of Bank Syariah Indonesia for the period 2021-2024. Data analysis in this study used autoregressive distributed lag (ARDL) analysis. The results of the research analysis show that savings partially have an insignificant effect on the amount of financing disbursed, with a significance value of 0.4334. Deposits partially have a significant effect on the amount of financing disbursed, with a significance value of 0.0315. And current accounts partially have a significant effect on the financing disbursed, with a significance value of 0.0284. Based on the simultaneous test (F-test), savings, deposits, and current accounts simultaneously affect the financing channel, with a significant value of 0.000. And based on the results of regression analysis, obtained adjusted R2 of 0.994, which means that the contribution of savings, deposits, and current accounts simultaneously affects financing by 99.4%.