PENGARUH GIRO WAJIB MINIMUM (GWM) DAN PEMBIAYAAN TERHADAP MODAL PADA BANK UMUM SYARIAH DI INDONESIA PERIODE 2018 – 2022

Abstract

This study aims to determine the effect of the Minimum Statutory Reserves (GWM) and financing on capital at Islamic Commercial Banks in Indonesia for the 2018-2022 period. The
method used in this study is quantitative research using secondary data in the form of financial
statements of Islamic commercial banks published by the Financial Services Authority (OJK) for the 2018-2022 period. The sample technique used is purposive sampling with the criteria of Islamic commercial banks registered with the Financial Services Authority (OJK) in 2018-2022. Data processing uses the IBM SPSS 26 Statistics application. The results show that: (1) GWM has a positive and significant effect on capital in Islamic Commercial Banks as evidenced by tcount 3.485 > ttable 2.002 and a significance value of 0.001 <0.05; (2) financing has a positive and significant effect on capital in Islamic Commercial Banks as evidenced by tcount 17.455 > ttable 2.002 and a significance value of 0.000 <0.05; and (3) GWM and financing simultaneously have an effect on and significant to the capital of Islamic Commercial Banks as evidenced by fcount 394.848 > ftable 3.150 and a significance value of 0.000 <0.05.