Faktor-faktor yang Memengaruhi Besaran Pembiayaan Perbankan Syariah di Indonesia

Adzimatinur, Fauziyah; Hartoyo, Sri; Wiliasih, Ranti

doi:10.29244/jam.3.2.106-121

Cited by 8 publications

(17 citation statements)

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“…Semakin besar dana tabungan, giro, dan deposito akan semakin meningkatkan kemampuan bank menyalurkan pembiayaan. Hal ini terlihat dengan kenaikan tren penyaluran pembiayaan yang sejalan dengan tren kenaikan DPK (Adzimatinur et al, 2015). Dengan demikian, DPK diduga memiliki pengaruh positif terhadap pembiayaan PBH.…”

Section: Pengembangan Model/konsepunclassified

“…Peningkatan FDR sebesar satu persen akan menyebabkan meningkatnya PBH sebesar 0,47 persen. Hasil ini sama dengan penelitian Adzimatinur et al (2015), Husaeni (2017), Indriastuti & Kartika (2018), dan Gunanto et al (2018).…”

Section: = + +unclassified

“…Peningkatan NPF sebesar satu persen menyebabkan turunnya PBH sebesar 0,13 persen. Hasil ini sama dengan penelitian Adzimatinur et al (2015). Temuan ini tidak sama dengan penelitian Widiastuty (2017) dan Husaeni (2017) yang menunjukkan bahwa NPF tidak mempunyai pengaruh yang signifikan terhadap PBH.…”

Section: Pengaruh Non Performing Financing (Npf) Terhadap Pembiayaan unclassified

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Determinan Pembiayaan Bagi Hasil Pada Perbankan Syariah

Primadhita¹,

Primatami²,

Budiningsih³

2021

ekomabis. :. J. ekonomi manaj. n.a.

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Pembiayaan bagi hasil bank syariah terbagi dalam bentuk pembiayaan mudharabah dan musyarakah yang didasarkan pada skema profit sharing atau revenue sharing. Skema ini sangat berbeda dengan kredit pada bank konvensional yang berbasis bunga. Tujuan penelitian adalah untuk menganalisis pengaruh dana pihak ketiga (DPK), financing to deposit ratio (FDR), dan non performing financing (NPF) terhadap pembiayaan bagi hasil perbankan syariah di Indonesia. Penelitian terdiri atas 37 observasi meliputi periode September 2017 sampai dengan September 2020. Data dianalisis dengan metode regresi linier berganda. Penelitian menghasilkan temuan DPK dan FDR berpengaruh positif terhadap pembiayaan bagi hasil, sementara NPF berpengaruh negatif terhadap pembiayaan bagi hasil. Semakin rendah risiko bank, semakin tinggi pengumpulan dana nasabah, dan semakin besar rasio penyaluran pembiayaan berpengaruh terhadap peningkatan penyaluran pembiayaan berbasis bagi hasil pada perbankan syariah di Indonesia. Abstract Profit-sharing financing in Islamic banks is divided into mudharabah and musyarakah financing which is based on a profit-sharing or revenue sharing scheme. This scheme is very different from interest-based credit at conventional banks. This study aims to analyze the impact of third party funds (DPK), financing to deposit ratio (FDR), and non-performing financing (NPF) on the profit-sharing financing of Islamic banking in Indonesia. The study consisted of 37 observations covering the period September 2017 to September 2020. Data were analyzed using multiple linear regression methods. The results of the study showed that TPF and FDR had a positive effect on profit-sharing financing, while NPF had a negative effect on profit-sharing financing. The lower bank risk, the higher collection of customer funds, and the higher financing distribution ratio have an effect on increasing the distribution of profit sharing based financing in Islamic banking in Indonesia.

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Section: Pengembangan Model/konsepunclassified

Section: = + +unclassified

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Determinan Pembiayaan Bagi Hasil Pada Perbankan Syariah

Primadhita¹,

Primatami²,

Budiningsih³

2021

ekomabis. :. J. ekonomi manaj. n.a.

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“…The other findings also show that t-stat probability value of the total financing variable is 0.00, this means that Ho is accepted because the probability of the t-statistic smaller than 0.05 (5%), which means that total financing has negative and significant effect on the Islamic banking revenue. This is because Islamic banking financing does not use an interesting system so that does not encourage public enthusiasm to adopt the product of Islamic banks, this matter results in financing activities of Islamic banking is not maximizing so resulting in a decline in Islamic banking revenue (Adzimatinur, 2015 andYuliana, Suhel, &Bashir, 2017).…”

Section: Resultsmentioning

confidence: 99%

Investigating the effect of total assets, financing, and third-party funds on Islamic Banking Revenue in Indonesia

Marinda

Asngari

Mukhlis

2020

JEP

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This study investigates the influence of total assets, total financing, and third-party funds on the revenue of Islamic banking in Indonesia. Data used are secondary data during the period 2005-2018 sourced from the Financial Services Authority (OJK). The study analysis used a quantitative approach by applying the multiple regression model estimated by OLS. The findings of the study indicated that total assets and third-party funds has a positive and significant effect, while the financing has a negative and significant effect on Islamic banking revenue in Indonesia during the analysis period

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“…This hal is also supported by the research conducted Somantri & Sukmana (2019) Effendi et al (2018) and with similar research results. On the other hand, Adzimatinur et al (2015) and Jing (2020) found that NPF had a negative and significant effect on financing. Research conducted Nahrawi (2017) on murabaha financing at Bank BNI Syariah and research conducted Abdul Karim et al (2014) show that CAR has a positive and significant influence.…”

Section: Introductionmentioning

confidence: 97%

Factors Affecting Financing on Islamic Rural Bank in Yogyakarta and Central Java Province

Ramadhani¹,

Sutrisno²

2022

IJEBMR

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The study aims to examine the factors that influence the amount of financing disbursed by Islamic Rural Banks. This study uses a sample of Islamic Rural Banks located in the Province of the Special Region of Yogyakarta and Central Java. The data was taken from the quarterly financial reports of Islamic Rural Banks available on the OJK official website from 2018 to 2020 and the number of samples is 37 Islamic Rural Banks. The tests were carried out using the SPSS version 22.0 program for windows. The results of this study indicate that Third Party Funds (TPF), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) have a positive and significant effect on Islamic Rural Banks financing. Non-Performing Finance (NPF) has a negative and significant effect on the financing of Islamic Rural Banks. Meanwhile, the Operational Cost of Operating Income (OEIR) has no significant effect on the financing of Islamic Rural Banks.

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Faktor-faktor yang Memengaruhi Besaran Pembiayaan Perbankan Syariah di Indonesia

Cited by 8 publications

References 0 publications

Determinan Pembiayaan Bagi Hasil Pada Perbankan Syariah

Determinan Pembiayaan Bagi Hasil Pada Perbankan Syariah

Investigating the effect of total assets, financing, and third-party funds on Islamic Banking Revenue in Indonesia

Factors Affecting Financing on Islamic Rural Bank in Yogyakarta and Central Java Province

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