Abstract:
This study aimed to analyse the factors that influence the Total Financing of Bank Umum Syariah (BUS) in Indonesia. Islamic banking system in Indonesia was developed within the framework of the dual-banking system to give alternatives for more complete banking services to the people of Indonesi.Islamic banking in Indonesia has growing rapidly every year, but it can not be denied the role of Islamic banking in the economy is still relatively small compared with the conventional banking.Amount of total financing is only about 5,56% of the banking total credit. It can be seen also in the proportion of assets Islamic banking to national banking assets that only 4.8% and 18.75% of the total national banking accounts. The researcher wanted to know what factors affect the Total Financing in Bank Umum Syariah, using the financial statements and conduct in-depth analysis of the results obtained from the data of the financial statements.Data analysis for this research uses panel data regression.The result of this research showed that Capital Adequacy ratio(CAR), Non-Performing Financing (NPF) and Operating Expense Operating Income ratio (OEOI) had a significant effect to total financing. Meanwhile, Return on Asset (ROA) and Financing to Deposit Ratio (FDR) had not significant effect to total financing of Bank Umum Syariah.