Determinan Penghimpunan Dana Pihak Ketiga Bank Syariah di Indonesia Tahun 2017.1. – 2021.12.

Abstract

This research is an explanatory study to explain the determinants of third party fund raising of Islamic banks as
the dependent variable in Indonesia using the Econometrics Partial Adjustment Model (PAM) approach. The
independent variable of the research is derived from the construct of the marketing environment which is divided
into external factors and internal factors. The two factors are further broken down into seven variables. It is
concluded that the PAM model has been successful in estimating the model and has passed the classical
assumption test. During the research period, namely in 2017.1. – 2021.12, all variables have a strong relationship
and have a simultaneous effect on the dependent variable. Only promotion costs and the number of office networks
partially have a significant effect on the dependent variable. The number of office networks is the most significant
variable.