ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI LIKUIDITAS BANK UMUM SYARIAH (BUS) DEVISA

This study aims at examining the influences of some variables including Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing Gross (NPF Gross), Return on Assets (ROA), Return on Equity (ROE), Operating Expenses on Operating Income (OEOI) and inflation on the liquidity of foreign exchange sharia commercial banks in Indonesia over the period 2014-2018. The independent variables consist of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing Gross (NPF Gross), Return on Assets (ROA), Return on Equity (ROE), Operational Expenses to Operating Income (OEOI), and inflation. Meanwhile, the dependent variable is Financing Deposit Ratio (FDR). The data used in this study were secondary data obtained from the publications of Bank Indonesia and quarterly reports of each foreign sharia commercial banks. Those data were analyzed by using panel regression with fixed effect models technique. The results of this study show that Third Party Funds had a negative and significant effect on the liquidity of foreign exchange Sharia commercial banks and inflation had a positive and significant effect on the liquidity of foreign exchange Sharia commercial banks. However, Capital Adequacy Ratio (CAR), Non-Performing Financing Gross (NPF Gross), Return on Assets (ROA), Return on Equity (ROE), Operational Expenses to Operating Income (OEOI) did not give any effects on the liquidity of foreign exchange sharia commercial banks