Pengaruh Pembiayaan Perbankan Bank Umum Syariah Terhadap PDRB Provinsi Di Indonesia Tahun 2010-2019

Abstract

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.

Relationship between Islamic bank consumptive financing and gross regional domestic product in Indonesia, 2016-2020

“…On the other hand, the results of this study also indicate that inflation affects GRDP, but not significantly. These findings confirm the results of other studies (Antoni et al, 2019;Ramadhanty & Auwalin, 2021;Damayanti, 2022) that inflation has an effect on GRDP, but the effect is not significant. A high inflation leads to increased product prices, reducing people's purchasing power and making it difficult for them to meet ends (Ramadhanty & Auwalin, 2021).…”

“…Provinces on Java alone account for 55% of the total consumptive financing provided by Islamic banks in Indonesia, with Sumatra following in second place at 28% (Otoritas Jasa Keuangan, 2021). Islamic bank financing shows a negative but insignificant relationship with the GRDP of 33 provinces in Indonesia, whereas financing from non-Islamic banks exhibits a significantly positive relationship (Ramadhanty & Auwalin, 2021).…”

The Analysis of Influence State Expenditures, Islamic Banking Finance and Foreign Investment (Pma) Economic Growth in Indonesia 2017-2022

“…Meanwhile, the findings of Terminanto & Rama (2017) effect on economic growth. And the results of this study turned out to be the same as those of Terminanto & Rama's (2017) research, but different from Ramadhanty & Auwalin's (2021) research. This study confirms that Islamic banking financing has an effect on economic growth.…”

“…This study confirms that Islamic banking financing has an effect on economic growth. Differences in the results of this study with Ramadhanty & Auwalin's (2021) can occur due to several indicators such as differences in terms of data such as objects, research methods and data analysis techniques used. Therefore the conclusion H0 accepted.…”

Pengaruh Inklusi Keuangan dan Bank Syariah terhadap Infrastruktur Nasional Dan Pertumbuhan Ekonomi Dalam Program SDGs

“…Penelitian lain didapat dari (Ramadhanty & Auwalin, 2021) hasilnya pembiayaan bank umum syariah memiliki pengaruh negatif terhadap PDRB karenanya pembiayaan bank umum syariah cenderung disalurkan untuk keperluan yang bersifat konsumtif. Pembiayaan jenis ini justru tidak memberikan dampak terhadap PDRB melainkan akan membuat masyarakat menjadi lebih konsumtif daripada produktif.…”