ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh pembiayaan perbankan umum syariah terhadap PDRB provinsi di Indonesia pada tahun 2010-2019. Penelitian ini menggunakan pendekatan kuantitatif berjenis eksplanatori dan teknik yang digunakan adalah analisis regresi berganda dengan menggunakan regresi data panel. Data pada penelitian ini adalah berjenis data sekunder yang didapatkan melalui Badan Pusat Statistik Indonesia (BPS), Bank Indonesia (BI), dan Otoritas Jasa Keuangan (OJK). Data dalam penelitian mencakup data tingkat provinsi pada 33 provinsi di Indonesia. Hasil penelitian secara simultan menunjukkan bahwa pembiayaan bank umum syariah, kredit bank umum konvensional, inflasi, dan jumlah populasi secara statistik berpengaruh secara signifikan terhadap PDRB provinsi di Indonesia pada tahun 2010-2019. Sedangkan secara parsial, pembiayaan bank umum syariah secara statistik berpengaruh negatif namun tidak signifikan terhadap PDRB hal ini dikarenakan nominal pembiayaan yang dilakukan bank syariah masih kecil dan cenderung bersifat untuk kegiatan konsumsi sehingga kurang memberikan pengaruh yang optimal pada PDRB. Dapat disimpulkan peran dari bank syariah masih belum optimal pada PDRB. Variabel kredit bank umum kovensional secara statistik berpengaruh positif signifikan terhadap PDRB. Sedangkan variabel inflasi secara statistik berpengaruh negatif namun tidak signifikan terhadap PDRB dan luas wilayah secara statistik beperngaruh positif namun tidak signifikan. Kata Kunci: Pembiayaan bank umum syariah, Pertumbuhan Ekonomi, PDRB. ABSTRACTThis study aims to determine the effect of finance of finance of islamic banks and gross domestic regional product in Indonesia 2010-2019. This study used quantitative approach which is explanatory research with data panel regression method. Data used in this study as secondary data which collacted from Badan Pusat Statistik (BPS), Bank Indonesia (BI), and Otoritas Jasa Keuangan (OJK). This study uses data from 33 provinces. The result from this study are simultaneously, finance of islamic banks, credit of conventional banks, inflation, and population have a significant effect on GDRP. Partially, finance of islamic banks has a negetive effect on GDRB but it’s not sigficantly. It because less financing from Islamic bank is distributted for production activity than consumption activity. Other hand, less nominal of financing from Islamic than conventional bank. The credit of conventional banks has a positif and significant effect on GDRP. The inflation has a negative but not significant effect on GDRP, while population has positive effect but it’s not significant on GDRP. Keywords: Finance of Islamic Banks, Economic Growth, GDRP.
IntroductionPrevious literature discussed financing's impact on performance without separating the financing model.ObjectivesThis study uses the consumptive financing data of Islamic commercial banks, inflation rate, and population as independent variables, and the GRDP of 33 provinces in Indonesia as the dependent variable. MethodThe study used Indonesia and Malaysia banks for its pioneering efforts in establishing Islamic banking in Southeast Asia. The study collects data from five Indonesian and four Malaysian Islamic banks, with an observation period of 2011–2020. The data analysis used in this study was the Generalized Method of Moment (GMM).ResultsThe results of this study explain that the consumptive financing of Islamic commercial banks has a negative insignificant effect on GRDP in Indonesia, the inflation rate has a negative insignificant effect on GRDP in Indonesia, and the population has a positive and significant impact on GRDP in Indonesia. Consumptive credit in conventional banks and consumptive financing in Islamic banks account for more than 45% of total financing. ImplicationsThe Indonesian Financial Services Authority should adopt policies to maintain the growth of Islamic Bank productive financing, that is, working capital and investment financing, because Islamic bank consumptive financing has a negative effect on GRDP in IndonesiaOriginality/NoveltyThis study has a unique feature compared with previous studies that use consumptive financing at Islamic banks with inflation and population variables to analyze the contribution of the local economy to gross regional domestic product.
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