THE INFLUENCES OF CAR, DPK, FDR AND ROA TOWARD FINANCING OF ISLAMIC BANKS IN INDONESIA

Abstract

This research was conducted to find out the influences of CAR, DPK, FDR and Roa toward financing of Islamic bank in Indonesia. The type of data used in this research was secondary data from Islamic Banks from quarterly financial statements derived from Otoritas Jasa Keuangan (OJK). Through purposive sampling, this research got 108 observations from five Islamic banks in five years which fulfill the criteria. This research used quantative research, which using some analysis methods, such as normality test, autocorrelation test, multicollinearity test, and heteroscedasticity test. Based on the result, it is concluded that there are 4 independent variables such as Capital Adequacy Ratio (CAR), Third Party Fund (DPK), Financing to Deposit Ratio (FDR) and Return on Asset (ROA) which having significant influences toward financing of islamic bank. Simultaneously, the most significant variable that influence financing of islamic banking is capital adequacy ratio (CAR) which is 9.521571.