FAKTOR-FAKTOR KEUANGAN YANG MENDUKUNG PERGERAKAN “MARKET SHARE” PERBANKAN SYARIAH DI INDONESIA

Abstract

: This Study aims to formulate  the strategy of market share growth for islamic bangking is need to examine how much the effect of each independent variable is ROA, CAR, FDR,  NPF,  and  REO  on  the  dependent  variable  (Market  Share)  on  Islamic  Banking  in Indonesia. The research was conducted on Islamic Banking in Indonesia, BUS and UUS using financial statement data are monthly basis for 36 months, starting in January 2010-December 2012. The method of analysis in this study is the analysis Descriptive  Statistics  and Simple Linear Regression Analysis. The test results suggest that, first, ROA has a positive significant effect on Market Share. Second, CAR has a positive significant effect on Market Share. Third, FDR had a positive significant effect on Market Share. Fourth, NPF has a significant negative effect on Market Share. Fifth, REO has a significant negative effect on Market Share. Based that  condition,  so,  strategy  to improve  market  share  growth  for  Islamic  banking  must  be concern  to  qualitative   aspects  such  as  sufficient   costumer   service,  product  innovative, banking education for costumer, etc. All of that aspects must be supported  by government, central bank, Islamic banking, and society.     Keywords: Market Share, ROA, CAR, FDR, NPF, REO.