ANALISIS PERILAKU DEPOSAN PERBANKAN DI INDONESIA
Abstract
Studi ini bermaksud untuk menganalisis secara empiris faktor-faktor yang memepengaruhi deposito baik syariah maupun konvensional dengan studi kasus perbankan di Indonesia. Studi ini menggunakan analisis vektor autogresi, uji kausalitas Granger, dekomposisi varian dan impuse respon untuk semua bank di Indonesia dalam menguji dampak variabel keuangan dan makroekonomi dalam menentukan jumlah deposito bank syariah dan bank konvensional. Penelitian ini menggunakan data bulanan dari periode Januari 2004 sampai September 2013. Studi ini menemukan bahwa suku bunga dan tingkat bagi hasil berpengaruh signifikan terhadap tingkat deposito di Indonesia baik syariah maupun konvensional. Studi ini juga menunjukkan bahwa sistem keuangan syariah di Indonesia menghadapi risiko suku bunga. Temuan lainnya adalah inflasi, harga saham dan pertumbuhan ekonomi memiliki dampak terhadap tingkat deposito pada sistem perbankan.References
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