PERTUMBUHAN PEMBIAYAAN PERBANKAN SYARIAH: ANALISIS PENGARUH VARIABEL INTERNAL DAN EKSTERNAL PRA DAN PASCA KRISIS EKONOMI GLOBAL TAHUN 2008.

This research is purposed to analyze the growth of Islamic banking financing in Indonesia before and after global economic crisis 2008, also it will try to analyze the effect of internal variables that represented by the growth of third funds (DPK), ROA ratio, and NPF ratio, also the external variables that represented by SBIS reward, Inflation, Global economic crisis 2008 as the dummy variable toward the growth of islamic banking financing. The data that will be used are secondary data, such as monthly time series during January 2004 up to September 2013. The methods that will be used are descriptive statistic to analyze the growth of funding before and after global economic crisis 2008, and Error Correction Model Engle-Granger (ECM-EG) to analyze the effect of internal and external banking varriable toward financing in long and short term. The result show that the discharge of everage of Islamic banking financing after global economic crisis 2008. For the internal variables, the short-term deposit growth and ROA positive significantly influence the growth of financing, while the NPF ratio significantly negative influence on growth of financing. In the long run, growth in third funds significantly positive influence the growth of financing, NPF ratio negative significantly influence the growth of financing. As for ROA did not significantly influence the growth of financing. While external variables in the short-term rewards of Bank Indonesia Sharia Certificate (SBIS) and the 2008 global economic crisis did not significantly influence the growth of financing, inflation significantly positive influence the growth of financing. In the long run, inflation and the global economic crisis of 2008 significantly negative influence the growth of Islamic banking financing, SBIS reward did not significantly influence the growth of financing.
Keywords: The growth of financing, global economic crisis, Third funds, ROA, NPF, SBIS reward, Inflation, Error Correction Model