The Influence of Third-Party Funds, Return on Assets, and Financing to Deposit Ratio on Sharia Banking Financing In MSMEs
Main Article Content
Rahmanisa Aulia Safitri
This article analyzes the determinants of MSME financing at Islamic Commercial Banks. This is measured by internal bank factors, namely Third-Party Funds, Return on Assets, and Financing to Deposit Ratio. The data used is time series data sourced from the Financial Services Authority for the period January 2021 - December 2023. Through multiple linear regression analysis with the Ordinary Least Square (OLS) method, it can be concluded that: First, partially, the TPF and FDR variables have a significant positive effect on MSME Financing, while the ROA variable has an insignificant negative effect on MSME Financing for Islamic Commercial Banks. Second, simultaneously, TPF, ROA, and FDR have a significant positive effect on MSME Financing for Islamic Commercial Banks. With these results, it is hoped that this research can contribute to policy or decision making for Islamic Commercial Banks to increase financing to the MSME sector, both working capital financing and investment financing for the MSME sector in Indonesia.
Alhusain, Achmad Sani. 2021. “Bank Syariah Indonesia: Tantangan Dan Strategi Dalam Mendorong Perekonomian Nasional.” Info Singkat: Bidang Ekonomi Dan Kebijakan Publik 13 (3): 19–24.
Allen, Franklin, and Anthony M Santomero. 1998. “The Theory of Fnancial Intermediation.” Journal of Banking & Finance 21: 1461–85. https://doi.org/10.1016/S0378-4266(97)00032-0.
Antonio, Muhammad Syafi’i. 2001. Bank Syariah Dan Teori Ke Praktik. Jakarta: Gema Insani Press.
Aranita, Hepy Dwi, Iwan Fakhruddin, Hadi Pramono, and Bima Cinintya Pratama. 2022. “Pengaruh Jenis Produk Pembiayaan Dan Dana Pihak Ketiga Terhadap Profitabilitas Pada Bank Umum Syariah Indonesia.” NISBAH: Jurnal Perbanka Syariah 8 (2): 138–55. https://doi.org/10.30997/jn.v8i2.7348.
Ardi Khoirul Asnan. 2019. “ANALISIS PEMBIAYAAN PRODUKTIF (AR-RUM) TERHADAP PENINGKATAN PENDAPATAN NASABAH PEDAGANG DALAM PERSPEKTIF EKONOMI ISLAM.” UIN Raden Intan Lampung. http://repository.radenintan.ac.id/5854/1/SKRIPSI.pdf.
Destiana, Risna. 2016. “Analisis Faktor-Faktor Internal Yang Mempengaruhi Pembiayaan Usaha Mikro Kecil Dan Menengah (Umkm) Pada Bank Syariah Di Indonesia.” Jurnal Riset Keuangan Dan Akuntansi 2 (1): 15–28. https://doi.org/10.25134/jrka.v2i1.444.
Dienul Fathia, Yolanda, and Ima Amaliah. 2023. “Strategi Bank Umum Syariah Dalam Mengatasi Fluktuasi Makroekonomi Untuk Mendukung Pembiayaan UMKM Yang Berkelanjutan.” Bandung Conference Series: Economics Studies 3 (2): 557–65. https://doi.org/10.29313/bcses.v3i2.9494.
Gujarati, Damodar. 2003. Basic Econometrics : Fouth Edition. McGraw-Hill Higher Education. Vol. 82. New York: McGraw–Hill. https://doi.org/10.2307/2230043.
Hariyanto, Hariyanto, and Bariyyatin Nafi’ah. 2022. “Pengaruh Aktivitas Lembaga Keuangan Syariah Terhadap Pertumbuhan Pembiayaan UMKM.” Jurnal Ilmiah Ekonomi Islam 8 (1): 945. https://doi.org/10.29040/jiei.v8i1.3780.
Hery. 2019. Manajemen Perbankan. Jakarta: PT Grasindo, Anggota IKAPI.
Husaeni, Uus Ahmad, Selviana Zakiah, and Farid Faisal. 2021. “Determinants of Micro and Small Business Financing In Sharia Commercial Banks In Indonesia” 7 (03): 1499–1504.
Kasmiati, Kasmiati. 2021. “Dinamika Pembiayaan Perbankan Syariah Dalam Mengembangkan Dunia Usaha.” Lab 5 (02): 140–51. https://doi.org/10.33507/labatila.v5i01.393.
Kasmir. 2002. Dasar-Dasar Perbankan. 8th ed. Jakarta: PT RajaGrafindo Persada.
Kementerian Koordinator Perekonomian Republik Indonesia. 2023. “Dorong UMKM Naik Kelas Dan Go Export, Pemerintah Siapkan Ekosistem Pembiayaan Yang Terintegrasi.” 2023. https://www.ekon.go.id/publikasi/detail/5318/dorong-umkm-naik-kelas-dan-go-export-pemerintah-siapkan-ekosistem-pembiayaan-yang-terintegrasif.
Khaddafi, Muammar, Chalirafi Chalirafi, Muchsin Muchsin, and Eka Khairani. 2022. “ANALISIS FAKTOR YANG MEMPENGARUHI PENYALURAN PEMBIAYAAN UMKM (Studi Pada Bank Umum Syariah Di Indonesia Periode 2015-2019).” E-Mabis: Jurnal Ekonomi Manajemen Dan Bisnis 23 (1): 40–48. https://doi.org/10.29103/e-mabis.v23i1.803.
Litriani, Erdah, and Leni Leviana. 2017. “Pengaruh Pembiayaan Modal Kerja Terhadap Pendapatan Usaha Nasabah Pada PT. Bank Syariah Mandiri Kantor Cabang Simpang Patal Palembang.” I- Finance: A Research Journal On Islamic Finance 3 (2): 123–40.
Munawir. 2000. Analisa Laporan Keuangan. Yogyakarta: Liberty.
Nasution, Muhammad Latief Ilhami. 2005. Manajemen Pembiayaan Bank Syariah.
Nugroho, Arno, Muhammad Findi Alexandi, and Widyastutik. 2018. “Analisis Pengaruh Kinerja BPRS Dan Kondisi Makroekonomi Terhadap Penyaluran Pembiayaan Modal Kerja Dan Investasi BPRS Di Indonesia (Periode: 2011 - 2015).” Al-Muzara’ah 5 (2): 146–67. https://doi.org/10.29244/jam.5.2.146-167.
Nusty. 2022. “PEMIKIRAN MUHAMMAD UMER CHAPRA TENTANG SISTEM EKONOMI MONETER ISLAM.” Institut Agama Islam Negeri Pare-Pare. http://repository.iainpare.ac.id/3210/1/17.2400.101.pdf.
Pramono, Irena Paramita, Rudy Hartanto, and Tria Apriliana. 2019. “Determinant Factors of Msme Financing in Islamic Bank (Study Case in Indonesia).” Akuntansi Dewantara 3 (1): 75–81. https://doi.org/10.26460/ad.v3i1.4309.
Putri, Fitri Anisa Nusa, and Muhammad Wakhid Musthofa. 2023. “The Effect of NPF, FDR, Bank Size and Covid-19 on MSME Financing of Indonesian Sharia Commercial Banks for the 2018-2021 Period.” Al Iqtishod: Jurnal Pemikiran Dan Penelitian Ekonomi Islam 11 (2): 73–91. https://doi.org/10.37812/aliqtishod.v11i2.885.
RASYIDIN, DIDIN. 2016. “FINANCING TO DEPOSIT RATIO (FDR) SEBAGAI SALAH SATU PENILAIAN KESEHATAN BANK UMUM SYARIAH (Study Kasus Pada Bank BJB Syariah Cabang Serang).” ISLAMICONOMIC: Jurnal Ekonomi Islam 7 (1): 19–36. https://doi.org/10.32678/ijei.v7i1.34.
Ria, Mega, and Asfi Manzilati. 2023. “FAKTOR EKSTERNAL DAN INTERNAL YANG MEMPENGARUHI PEMBIAYAAN BANK UMUM SYARIAH KEPADA UMKM Mega.” ISLAMIC ECONOMICS AND FINANCE IN FOCUS 2 (3): 411–21.
Sari, Dian Nur Pungkyana. 2019. “Pengaruh Pertumbuhan Dana Pihak Ketiga, Likuiditas, Kualitas Aktiva, Profitabilitas, Permodalan, Dan Efesiensi Terhadap Pembiayaan UMKM Pada Bank Syariah.”
Umiyati, Umiyati, and Leni Tantri Ana. 2020. “Faktor-Faktor Yang Mempengaruhi Pembiayaan Pada Bank Umum Syariah Devisa Di Indonesia.” Jurnal Ekonomi Dan Perbankan Syariah 5 (1): 39–62. https://doi.org/10.46899/jeps.v5i1.165.
Widiyanti, Muchtar Mariso, and Sjahruddin. 2014. “Analisis Pengaruh CAR, ROA, NPL, BOPO Dan DPK Terhdapa Penyaluran Kredit UMKM Di Indonesia.” JOM FEKON 1 (2): 1–15.
Zaimsyah, Annisa Masruri. 2020. “Factors Affecting the Distribution of Micro, Small and Medium Enterprises (MSME) Financing in Islamic Banks.” AL-FALAH : Journal of Islamic Economics 5 (1): 38. https://doi.org/10.29240/alfalah.v5i1.1156.
