top of page
Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute
Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute

Economics and Business

Quarterly Reviews

ISSN 2775-9237 (Online)

asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
crossref
doi
open access

Published: 19 March 2019

Factors Influencing Islamic Bank Financing in Indonesia

Henny Medyawati, Muhamad Yunanto

Gunadarma University, Indonesia

asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, management journal

Download Full-Text Pdf

doi

10.31014/aior.1992.02.01.74

​

​

Abstract

As intermediary institutions, Islamic banks gather funds from society and then transmit in the form of financing. In practice, the distribution of financing that is the main feature that runs Islamic banks is not as easy in practice as it is in theory since it involves a large number of troubled financing constraints. The reason for this is the lack of procedures to assess banks and supervise customers. This research thus aims to analyze the effect of third-party funds (DPK), Return On Assets (ROA), Non-Performing Financing (NPF) and Financing the Deposit Ratio (FDR) on the total financing provided to society by the Islamic banks in Indonesia. The data used was monthly data issued by Otoritas Jasa Keuangan (OJK) in Sharia Banking Statistics during the period of January 2009-2017. This research uses the Johansen cointegration test to investigate long-term relationships and use the model of error correction (Error Correction Model) to see the short-term relationship. The results show that third-party funds and ROA influence financing in the short term and long term. Other variable is the FDR, which had the influence of short-term financing. Non Performing Financing does not affect the financing either in a short-term or long-term period.

References

  1. Dendawijaya, Lukman. (2009). Manajemen Perbankan. Ghalia Indonesia, Jakarta

  2. Donna, Duddy Roesmara dan Nurul Chotimah. (2008). Variabel-variabel yang Memengaruhi Pembiayaan Perbankan Syariah di Indonesia Ditinjau dari Sisi Penawaran. Jurnal Ekbisi, Vol. 2 No. 2

  3. Firaldi, Mufqi.(2013). Analisis Pengaruh Jumlah Dana Pihak Ketiga (DPK), Non Performing Financing (NPF) dan Tingkat Inflasi terhadap Total Pembiayaan yang diberikan oleh Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia (Periode Januari 2007-Oktober 2012). Undergraduate Thesis, Faculty of Economic and Busines UIN Jakarta

  4. Gujarati, Damodar. (2003). Ekonometrika Dasar. Erlangga Jakarta

  5. Hamidi, M. Luthfi. (2003). Jejak-jejak Ekonomi Syariah. Abadi Publishing, Jakarta

  6. Hamja, Yahya.(2008). Modul II Ekonometrika. Fakultas Ekonomi dan Ilmu Sosial UIN Syarif Hidayatullah, Jakarta

  7. Hasanudin, Mohamad dan Prihatiningsih. (2010). Analisis Pengaruh Dana Pihak Ketiga, Tingkat Suku Bunga, Non Performing Loan dan Tingkat Inflasi terhadap Penyaluran Kredit Bank Perkreditan Rakyat di Jawa Tengah. Jurnal Teknis, Vol. 5 No. 1

  8.  

  9. Husaeni, Uus Ahmad. (2016). The Variables that Affect Murabaha Financing in Islamic Commercial Banks. International Journal of Nusantara Islam, Vol 4. No. 2

  10. Lutfi. (2018). Membedah Kinerja Bank Syariah di Indonesia, url: https://www.perbanas.ac.id/id/component/k2/item/700-membedah-kinerja-bank-syariah-di-indonesia , accessed on February 2019

  11. Nugroho, Rezky Izhardi. (2014). Analisis Pengaruh Jumlah Dana Pihak Ketiga (DPK), Return on Asset (ROA), Non Performing Financing (NPF) dan Financing Deposit Ratio (FDR) terhadap Total Pembiayaan yang Diberikan Bank Syariah di Indonesia. Undergraduate Thesis, Faculty of Economics, Gunadarma University, Indonesia

  12. Pratami, Arianti Wuri Novi dan Harjum Muharam. (2011). Analisis Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performaing Financing (NPF), dan Return On Asset (ROA) terhadap Pembiayaan Pada Perbankan Syariah (Studi Kasus pada Bank Muamalat Indonesia Periode 2001-2011), Undergraduate Tesis, Faculty of Economic and Business, Universitas Diponegoro

  13. Putro, W. E. (2013). Analisis Pengaruh Penghimpunan Dana, Kredit Bermasalah dan Kondisi UMKM Terhadap Pembiayaan Kredit Produktif Bank Perkreditan Rakyat. Jurnal Ilmiah Mahasiswa, FEB Vol. 2 No.1, Faculty of Economics and Business Universitas Brawijaya

  14. Soedarto. (2004). Analisis Faktor-faktor yang Mempengaruhi Penyaluran Kredit Pada Bank Perkreditan Rakyat (Studi Kasus pada BPR di Wilayah Kerja BI Semarang), Master Thesis, Porgram Pasca Sarjana, Universitas Diponegoro

  15. Sri, Anastasya, Ratna Anggraini, Etty Gurendrawati, dan Nuramalia Hasanah. (2013). The Influence of Third-Party Funds, CAR, NPF, and ROA Against The Financing of a General Sharia-Based Bank in Indonesia. Proceeding of International Conference on Business, Economics and Accounting, Bangkok, Thailand

  16. Winarno, Wing Wahyu. (2011). Analisis Ekonometrika dan Statistika dengan Eviews. Edisi 3, Penerbit UPP STIM YKPN, Yogyakarta

  17. Widarjono, Agus. (2007). Ekonometrika, Teori dan Aplikasi untuk Ekonomi dan Bisnis. Penerbit: Ekonisia, UII Yogyakarta

  18. Yudistira, Galvan. (2017). Pangsa Pasar Bank Syariah Tembus 5.44% di bulan Agustus https://keuangan.kontan.co.id/news/pangsa-pasar-bank-syariah-tembus-544-di-agustus, accessed on February 2019

bottom of page