ANALISIS FAKTOR PENENTU PERTUMBUHAN DANA PIHAK KETIGA BANK HIMBARA DENGAN MODERASI UKURAN BANK

Abstract

This study aims to analyze the effects of digitalization, Return on Assets (ROA), bank size, per capita income, benchmark interest rate (BI Rate), inflation, and exchange rate on the growth of Third-Party Funds (DPK) in Himbara banks in Indonesia, and to examine the moderating role of bank size. The study uses panel data from four state-owned banks grouped under Himbara, namely BNI, BRI, Bank Mandiri, and BTN, during the 2014-2024 observation period. The analytical method is panel data regression using the Fixed Effect Model (FEM) and Moderated Regression Analysis (MRA). The findings show that bank size has a positive and significant effect on DPK growth, while per capita income has a negative and significant effect. Digitalization, ROA, BI Rate, inflation, and exchange rate do not significantly affect DPK growth. The moderation analysis indicates that bank size acts as a quasi-moderator because it has a direct effect on DPK growth and moderates several relationships among variables, particularly the interactions involving ROA, per capita income, and exchange rate, with additional evidence of digitalization moderation at a broader significance level. These findings imply that bank fund mobilization is shaped not only by internal bank characteristics but also by public financial behavior and macroeconomic dynamics in the digital era.