Factors Affecting the Growth of Third-Party Funds (DPK) in Sharia Rural Banks in the Special Region of Yogyakarta

shafira alya khoirunnisa; Fitri Zaelina

doi:10.14421/zdjmt912

Authors

shafira alya khoirunnisa UIN Sunan Kalijaga
Fitri Zaelina

DOI:

https://doi.org/10.14421/zdjmt912

Keywords:

Third-party funds, DPK, Inflation, GRDP, profit-sharing, BOPO, ROA, Sharia rural bank

Abstract

Purpose: This study aims to analyze the factors affecting the growth of third-party funds (DPK) in Sharia Rural Banks in the Special Region of Yogyakarta during the 2020–2024 period, focusing on inflation, regional gross domestic product (GRDP), profit-sharing rate, operational efficiency (BOPO), and profitability (ROA).

Design/methodology/approach: This research uses a quantitative approach with panel data analysis. The sample consists of BPRS in Yogyakarta selected using purposive sampling. Secondary data were obtained from Otoritas Jasa Keuangan (OJK) and Badan Pusat Statistik (BPS). Data were analyzed using multiple regression analysis.

Theoretical Contribution/Originality: The findings indicate that both external and internal factors influence DPK growth in BPRS. Inflation and GRDP represent macroeconomic factors, while profit-sharing rate, BOPO, and ROA reflect bank-specific factors that contribute to fluctuations in third-party fund growth.

Research limitation and implication: This study is limited to BPRS in Yogyakarta during the 2020–2024 period and uses selected variables. The results may serve as a reference for BPRS management in formulating strategies to improve public fund mobilization and operational performance.

Keywords: Third-party funds (DPK), inflation, GRDP, profit-sharing, BOPO, ROA, Sharia rural bank.

JEL Classification: C23, E31, G21, R11

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