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IJSTR >> Volume 6 - Issue 11, November 2017 Edition



International Journal of Scientific & Technology Research  
International Journal of Scientific & Technology Research

Website: http://www.ijstr.org

ISSN 2277-8616



Sensitivity Analysis Of Financing Demand In Syariah Banking

[Full Text]

 

AUTHOR(S)

DR. HJ. ROSYETTI, SE., M.Si

 

KEYWORDS

Sensitivity, Financing, Profit Sharing, Gross Domestic Product and Interest Rate

 

ABSTRACT

This study aims to analyze the Sensitivity of Demand Financing in syariah banking, with a focus on the elasticity of financing demand, income elasticity, and cross elasticity. The type of data used in this study is secondary data quantitative and time series obtained from the publication of BPS, BI and OJK. The data analysis technique begins by estimating multiple linear regression equations using the Eviews Application, further measuring the sensitivity using elasticity. The research variables consist of revenue, gross domestic product, and conventional bank interest rate as independent variables and demand for financing as a dependent variable. The results obtained for the results, gross domestic product, and interest rate of conventional banks simultaneously affect the demand for financing in Islamic banking with a significant level of 5% obtained probability value F statistic <α (0,05). Partially revenue share and gross domestic product have a significant effect on demand for financing. While the variable interest rate of conventional banks partially does not have a significant effect on demand for financing in Islamic banking. The ability of the three independent variables to explain the dependent variable of 99.06%, the rest of 0.04% influenced by other factors outside this study. The sensitive value of demand for financing in syariah banking during the observation period was 3.94 (ƐP> 1) so that it can be said that demand for financing in syariah banking is elastic. The elasticity of income demand for financing in syariah banking, during the observation period of 3.08 (ƐI> 1), is categorized as luxuries goods. The cross elasticity value of financing demand in syariah banking during the observation period is 0.52 or positive (ƐC> 0), it can be categorized that the interest rate of a conventional bank is a substitute of profit sharing.

 

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