Analysis of Tawhidi String Relation (TSR) Towards Factors that Affect the Distribution of Financing of Sharia Banking in Indonesia Period 2009-2019

This study uses the Sharia Commercial Bank and Sharia Business Unit as a whole as a unit of research object, with the research period from 2009-2019 (on a quarterly basis). The analysis technique used is multiple linear regression, while the hypothesis test uses t-test to partially test the effect of variables, and the F-test to test the effect of variables simultaneously with a significance level of 0.05. To find out the relation process used Tawhidi String Relation (TSR) analysis based on Unity, Correlation and Evolution. Based on the research, the results show that Third Party Funds (TPF) have a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and not significant effect on the distribution of bank financing. While Bank Indonesia Sharia Certificates (BISC) have a negative and significant effect on the distribution of bank financing. Based on the TSR analysis, it was concluded that BISC had a negative effect on all variables used in this study, both: DF, TPF and NPF. Therefore, this research can be a criticism for the Islamic banking industry in channeling financing in the form of BISC