ANALISIS TABUNGAN DEPOSITO PADA BANK SYARIAH DAN BANK KONVENSIONAL

Abstract

Indonesia is a country that applies the dual banking system. The progress of the conventional financial industry coincides with the development of the Islamic financial industry. This study discusses the influence of external factors (inflation, money supply and BI rate) and internal factors (ROA and BOPO) on the profit sharing costs of sharia banking deposits and conventional banking deposit interest costs. The method used in this study is a Vector Error Correction Model (VECM) and Error Correction Model (ECM) analysis method. Based on the results of studies and analyzes that have been carried out, it can be concluded that the money supply (JUB) in the community, ROA, and BOPO affect the profit sharing of deposits. While the interest expense of conventional bank deposits is influenced by the variables of ROA, BOPO, BI rate, inflation and JUB. External and internal variables greatly affect Islamic banks and conventional banks in determining interest expense and profit sharing costs on deposits.