Pengaruh Pembukaan Rekening Online, Biaya Promosi, dan Nilai Tukar Rupiah Terhadap Dana Pihak ketiga Pada Bank Syariah Mandiri

Abstract

The purpose of this research was to analyze whether the digital innovations issued by PT Bank Syariah Mandiri in the form of Online Account Opening, Promotion Costs incurred by the bank and changes in the Rupiah Exchange Rate that occur in society have an influence on Third Party Funds at the bank. To see the effect or impact of the Online Account Opening service in this study using a multiple linear regression analysis approach using Dummy variables. The results of this study indicate that partially the Dummy variable of Online Account Opening and the Rupiah Exchange Rate variable has an influence on TPF, while the Promotion Cost variable has no effect on TPF. The results of research conducted simultaneously show that the independent variables in this study have an influence on the dependent variable. Based on the results of this study, it can be concluded that the purpose of digital innovation carried out by PT Bank Syariah Mandiri by issuing an Online Account Opening service to make it easier for people to open accounts which will then increase the DPK that can be collected by banks has been achieved well by PT Bank Syariah Mandiri.