PENGARUH RISIKO LIKUIDITAS DAN RISIKO MODAL TERHADAP DANA PIHAK KETIGA BANK UMUM SYARIAH DI INDONESIA

Abstract

This research is aimed to get evidence regarding influence of financial risk toward third parties funds in sharia bank. The financial risk used in this research are liquidity risk and capital risk. While third parties funds represent coming from society which are consist of saving, giro, and deposit. Data used in this research is the data taken from published banking financial statement in Directory Banking published by Bank Iindonesia. Sample used in this research is published financial statement of PT. Bank Muamalat Indonesia tbk, PT. Bank Syariah Mandiri tbk, and PT. Bank Syariah Mega Indonesia tbk, starting from 2005 until 2010. Analyzing data method used in this research is multiple regression. T- test is used to see the influence of independent variable by to dependent variable partially. The result of this research showed that independent variable consisting of liquidity risk and capital risk did’nt give influence significantly to dependent variable namely third parties funds.