PENGARUH JENIS – JENIS AKAD PEMBIAYAAN TERHADAP MARKET SHARE PERBANKAN SYARIAH DI INDONESIA PERIODE 2014 – 2018

The purpose of this study is to describe the Effect of Types of Financing on Sharia Banking Market Share in Indonesia. The analysis in this study uses Market Share as the dependent variable, and Muḍārabah (MUD), musyārakah (MUS), and Qarḍ (QAR) as independent variables. The sample data includes the amount of financing for non-bank deposits and Islamic banking market share (BUS and UUS) from 2014 to 2018. Data collection is done through annual reports released by the Financial Services Authority (OJK) during the 20142018 delivery period. Using Multiple Linear Regression Analysis assessment hypothesis with a statistical test t. The results of the study concluded that the MUD variable had a significant negative effect on the market share of Islamic banking, then the MUS variable had a significant positive effect on the market share of Islamic banking, and the QAR variable had a significant negative effect on the market share of Islamic banking. The implication of the results of this study is the financing of the DPD muḍārabah results in an increase in market share, this variable does not have a significant effect. Furthermore, financing for musharaka deposits is one of the main service products of Islamic banks for customers who need funds to avoid maisyir and gharar, but in supporting it to increase market share, this variable does not use a significant effect. Finally, the financing of DPK qarḍ receivables is an additional service product from Islamic banks for beneficiaries of assistance, but in their approval of an increase in market share, this variable does not have a significant effect