THE EFFECT OF SPIN-OFF POLICY AND MACROECONOMIC FUNDAMENTAL FACTORS ON THIRD PARTY FUNDS AT SHARIA GENERAL BANKS

In enhancing the development of Islamic banking, government issued Law No. 21 2008 concerning spin-off. With this policy, it is expected that Commercial Banks will develop. This study aims to implement panel data regression examine in depth influence spin-off policy and macroeconomic fundamental factors on third party funds Sharia General Banks. Sampling by purposive sampling, six (6) have conducted spin-offs financial report from 2014-2018. The Chow Test Hausman show model matches variable used 2014-2018 Random Effect Model (REM). Empirical results during period, had a significant effect bank's third-party simultaneously. Partially, only has funds.