The Influence of Bank Health on Third Party Fundraising with Inflation as Intervening Variable at Sharia Commercial Banks in indonesia

: This research is to know the effect of Bank Health partially and simultaneously on Inflation, the effect of Bank Health partially and simultaneously on Third Party Fundraising, the effect of Inflation on Third Party Fundraising and the effect of Bank Health partially and simultaneously on Third Party Fundraising through Inflation. The population of this research amount of was 14 Sharia Banks in Indonesia for the period 2014 - 2019 with sample amount of 8 Sharia Banks. The method used is Path Analysis by using SPSS program or software with version 22. The results showed that partially the Non Performing Financing (NPF) has negative and insignificant effect on Inflation, Good Corporate Governance (GCG) has positive and insignificant effect on Inflation, Net Rewards has positive and significant effect on Inflation and Capital Adequacy Ratio (CAR) has negative and significant effect on Inflation, while simultaneously Bank Health have no significant effect on Inflation. NPF has positive and significant effect on Third Party Fundraising, GCG has negative and insignificant effect on Third Party Fundraising, Net Rewards has positive and insignificant effect on Third Party Fundraising and CAR has negative and significant effect on Third Party Fundraising, while simultaneously Bank Health have significant effect on Third Party Fundraising. Inflation has negative and insignificant effect on Third Party Fundraising. Partially NPF, GCG, Net Rewards and CAR, indirectly has no significant effect on Third Party Fundraising through Inflation, while simultaneously Bank Health indirectly have no significant effect on Third Party Fundraising through Inflation.


INTRODUCTION
Sharia Principles. Pratiwi (2014) stated that inflation is one of the important factors that must be considered by shareholders, because it concerns the receipt of returns on shares. It can be said that inflation is able to give a positive effect to an investment that also implies a positive fund raising. This statement is supported by johnson research (2003) and Yuliantari (2014). Inflation is the total assets held by the bank, where the total assets can be seen in the total assets contained in the bank's financial statements on the balance sheet. Inflation is considered capable of influencing fund raising. This is because funding sources both internally and externally will be easier to obtain as the size or scale of the company increases. According to Modigliani (1958), fund raising is determined by the strength of the company's asset capital, because the higher the capital strength, the more efficient the asset turnover and/or the higher the profit margin obtained by the company. Fama (1978) in his research used the concept approach of market value to measure fund raising. Market value is different from book value. If the book value is the price recorded on the value of the company's shares, then the market value is the share price that occurs in certain exchange markets by the demand and supply of such shares by market participants. According to Sartono (2001) the ratio of share price to book value of the company shows the level of the company's ability to create value relative to the amount of capital invested. Yudonegoro research result (2014) showed that KPMM, ROA, ROE, NIM and BOPO together (simultaneously) have effect on the collection of third party funds and individually (partially) KPMM, ROA, ROE, NIM and BOPO have effect on the collection of third party funds. The results of Sutono and Kefi research (2014) which showed that Inflation has a negative but insignificant effect on the collection of Third Party Funds (DPK) at Commercial Banks in Indonesia and the results of The Sopiana research (2012) show that inflation negatively affects third party banking funds in Indonesia. Tripuspitorini and Setiawan (2020) research shows that Inflation has an insignificant positive effect on the growth of Third Party Funds (DPK) in Sharia Commercial Banks in Indonesia.

RESEARCH METHODS
The population used in this research are sharia commercial banks (registered) in Bank of Indonesia and the Financial Services Authority for the period 2014 -2019. Based on the Indonesian Banking Stastistics (SPI) in May 2020 issued by the Financial Services Authority and can be accessed through the www.ojk.go.id website on the data and statistics-banking menu, where the amount of sharia commercial banks as many as 14 Sharia Banks. While the sample used/taken as many as 8 Sharia Banks. As for the criteria for selection of samples are as follows: -Sharia Commercial Banks listed in Bank Indonesia and the Financial Services Authority and operated during the research period (year of 2014 -2019) -Sharia Commercial Banks with core capital of at least Rp.1,000,000,000,000.00 (one trillion rupiah). In this research, the types of data used are secondary data in the form of annual reports of Sharia Banks and inflation data for the period 2014 -2019 as well as other data available at Bank of Indonesia (BI), the Financial Services Authority (OJK) and other official sources that support this research. As for secondary data is sourced from Bank of Indonesia (BI), The Financial Services Authority (OJK), the official website of each bank as a sample, literatures and the results of previous research related to and related to this research.
For data collection in the research, by the method of: 1. Verification method is by directly verifying the annual report on 8 Sharia Banks that were sampled in the research period 2014-2019. 2. Library research method is by studying and analyze various literatures related to the problem to be researched. In the research conducted the data obtained and the hypothesis submitted will be tested by statistical test Path Analysis using spss program / software version 22. This Path Analysis follows structural patterns or structural models with research variables of Bank Health (Non Performing Financing (NPF) (X1), Good Corporate Governance (GCG) (X2), Net Rewards (X3) and Capital Adequacy Ratio (CAR) (X4)) as independent variables, Inflation (Y) as variables between (intervening) and Third Party Fundraising (Z) as dependent variables. While other variables that are not measured or researched and affect inflation and third party fundraising are referred to as epsilon variables (ε). The structural relationship between bank health variables (Non Performing Financing (NPF) (X1), Good Corporate Governance (GCG) (X2), Net Reward (X3) and Capital Adequacy Ratio (CAR) (X4)) to Inflation (Y) can be described with the following model: 1. Structure of The Effect of Bank Health (Non Performing Financing (NPF), Good Corporate Governance (GCG), Net Rewards and Capital Adequacy Ratio (CAR)) on Inflation Picture 1. Structural Relationship Between X 1 , X 2 , X 3 and X 4 on Y

1) The Effect of NPF (X1) on Inflation
To determine the value of the variable epsilon 1 (ε1) is used the following calculation: ε 1 = √1-R 2 The effect between the above variables can be stated by the equation as follows: Y = Pyx 1 X 1 + Pyx 2 X 2 + Pyx 3 X 3 + Pyx 4 X 4 + ε 1 2. Structure of The Effect of Bank Health (Non Performing Financing (NPF), Good Corporate Governance (GCG), Net Rewards and Capital Adequacy Ratio (CAR)) on Third Party Fundraising.

. Pzy) T Test
The t tests are used the partially to see or test the effect between independent variables (exogenous) and dependent variables (endogenous). Based on the test results with t test, it will be obtained a result in the form of t count that will be compared with t table. The formula the test of t count is as follows : Information : t = Value ℎi g r = Correlation coefficient ( ℎi g) n = Amount of respondents ℎi g For t test, criteria used are : -If t count > t table , Ho is rejected and Ha is accepted, meaning the path coefficient partially has significant effect. -If t count < t table , Ho is accepted and Ha is rejected, meaning the path coefficient partially has no significant effect. -Significance value < 5% (0,05) means Ho is rejected and Ha is accepted, meaning the path coefficient partially has significant effect. -Significance value > 5% (0,05) means Ho is accepted and Ha is rejected, meaning the path coefficient partially has no significant effect.

F Test
The F test is used the simultaneously to see or test the effect between independent variables (exogenous) and dependent variables (endogenous). F test can be done by comparing between F count with F -Ho : PYX1, PYX2, PYX3, PYX4 = 0 = has no effect the simultaneously between exogenous variables on endogenous variables. -Hi : PYX1, PYX2, PYX3, PYX4 ≠ 0 = has effect the simultaneously between exogenous variables on endogenous variables. -Ho : PZX1, PZX2, PZX3, PZX4 = 0 = has no effect the simultaneously between exogenous variables on endogenous variables. -Hi : PZX1, PZX2, PZX3, PZX4 ≠ 0 = has effect the simultaneously between exogenous variables on endogenous variables.

The Effect of Inflation on Third Party Fundraising
Inflation is a situation where there is a sharp increase in prices (absolute) that lasts continuously for a relatively long period of time. In line with the increase in prices, the value of money has decreased sharply compared to the increase in prices (Tajul-Khalwaty, 2000) and the collection of third party funds of sharia commercial banks using profit-share-based agreements, where the profit share received by customers is influenced by the income obtained by Sharia banks. Based on the results of the study, it is known that the influence of Inflation on Third Party Fund Raising is 3.4225%. The effect of Inflation is partially negative and insignificant on Third Party Fundraising, where from the partial test result (t test) it is known that t count value is less than the t table value (t count -1.274 < t table 2.01290) and the significance value (sig,) is greater than 0.05 (sig.0.209 > 0.05), Ho is accepted, Ha is rejected. The results of this study are in line with the results of Sutono and Kefi research (2014) which showed that Inflation has a negative but insignificant effect on the collection of Third Party Funds (DPK) in Commercial Banks in Indonesia and the results of The Sopiana research (2012) show that inflation negatively affects third party funds in Banks in Indonesia, however, it is not in line with the research results of Tripuspitorini and Setiawan (2020) which showed that Inflation has an insignificant positive effect on the growth of Third Party Funds (DPK) in Sharia Commercial Banks in Indonesia.

The Effect 0f Bank Health (Non Performing Financing (NPF), Good Corporate Governance (GCG), Net Imbalan and Capital Adequacy Ratio (CAR)) Partially and Simultaneously on Third Party Fundraising Through Inflation
Based on the results of the research, partially direct and indirect effect of Non Performing Financing (NPF), Good Corporate Governance (GCG), Net Rewards and Capital Adequacy Ratio (CAR) on Third Party Fundraising through Inflation, it is known that: