Faktor-Faktor Eksternal yang Mempengaruhi Pertumbuhan Aset Bank Umum Syariah di Indonesia Selama Satu Dasawarsa (2009-2018)

Abstract

Bank total asset is one the main indicator of the bank size. The amount of assets indicate the level of economic scale owned by the bank that are showed from the growth of total asset. Asset growth is influenced by several factors which are classified into internal factors and external factors. This study aims to determine the external factors that affect the growth of assets in Islamic banks in Indonesia, such as inflation, money supply (M2), BI rate, office channeling and remittances. The study is conducted with all Islamic commercial banks in Indonesia as the population. Sample use in this study is an Islamic banking company that meets the sample criteria using purposive sampling methods. The data analyze using multiple linear regression. The results show that external factors that affect the growth of Islamic bank assets are the money supply (M2) and office channeling, meanwhile inflation, the BI rate, and remittances have no affect on the growth of Islamic bank assets in Indonesia.