PENGARUH VARIABEL EKONOMI MAKRO TERHADAP PENYALURAN PEMBIAYAAN MELALUI DANA PIHAK KETIGA SEBAGAI VARIABEL INTERVENING (Studi Kasus pada Bank Umum Syariah di Indonesia Tahun 2011–2015)

Abstract

Islamic banking development in Indonesia has been improving continuously. Islamic banking activity
in fund distribution could not be separated from an influence of macro economic variable, because one of the
factors that influenced fund was macro economics outwardness of the company. The purpose of the research
was to saw direct influence of macro variable toward fund distribution and indirect influence toward fund
through intervening variable. Kind of the research method was quantitative, the research samples were six
general Islamic Banking in Indonesia since 2011–2015 and was taken with purposive sampling. This research
used path analysis method. The result showed that interest income inflation and exchange rate did not
influenced significantly toward third-parties fund. Whereas circulate money aggregation influenced significantly
toward third-parties fund. In the significant second test the result showed that inflation, interest income, and
circulate money aggregation influenced significantly toward fund distribution. In the third significant test, the
result showed that third-parties fund influenced significantly toward amount of fund distribution. Finally,
from the results could be concluded that third-parties fund was only became intervening variable for the
circulate money aggregation, because the circulate money aggregation influenced third party fund and fund
distribution.