Analisis Pembiayaan Sektor Jasa Dunia Usaha Pada Perbankan Syariah di Indonesia

Ayu Yuningsih, Akhsyim Afandi

Abstract


Financing is one of the main functions of Islamic banking. In its operational activities, Islamic banking channel most of its assets into financing. However, the financing trend in this sector always fluctuates from year to year and tends to decline. This study aims to analyze the factors that influence the financing of the business services sector in Islamic banking in Indonesia. This study uses time-series data which is the monthly data of the aggregate financial statements of Sharia Commercial Banks and Sharia Business Units in Indonesia. The analysis method used in this study is Autoregressive Distributed Lag (ARDL). The results showed that the variables that influence the financing of the business services sector in the short term are third party funds (DPK), equivalent rate of financing (ERP) and Industrial Production Index (IPI). Whereas in the long run, the variables that influence the financing of the business services sector are third party funds (DPK), return on assets (ROA), non-performance financing (NPF), Industrial Production Index (IPI). While the variable interest rates and exchange rates both in the short and long term do not affect the financing of the business services sector.

Keywords


Business Services Financing, DPK, ROA, NPF, ERP, exchange rate, IPI, interest rates

Full Text:

PDF

References


Adzimatinur, Fauziyah., Sri Hartoyo., Ranti Wiliasih. 2013. “Faktor-Faktor Yang Memengaruhi Besaran Pembiayaan Perbankan Syariah Di Indonesia Factors Affecting The Amaunt of Financing Islamic Banking in Indonesia 2 Tinjauan Pustaka.” Jurnal Al-Muzara’ah

Almas, Bahrina. 2016. “Analisis Pembiayaan Dan Kredit Sektor Perdagangan, Hotel Dan Restoran Di Indonesia.” Maqdis 3

Arif, M Nur Rianto Al., Ika Nurhikmah. 2017. “Determinan Pembiayaan Bagi Hasil Perbankan Syariah Di Indonesia: Model Regresi Panel.” AL-FALAH : Journal of Islamic Economics, Vol.2 No.1

Beik, Irfan Syauqi., Winda Nur Aprianti. 2013. “Analisis Faktor-Faktor Yang Mempengaruhi Pembiayaan Bank Syariah Untuk Sektor Petanian Di Indonesia.” Jurnal Agro Ekonomi, Vol.31 No.1

Giannini, Nur Gilang. 2013. “Faktor Yang Mempengaruhi Pembiayaan Mudharabah Pada Bank Umum Syariah Di Indonesia.” Accounting Analysis Journal, Vol.2 No.1

Jaya, Yozar Putra., Wiwiek Rindayati., Khalifah Muhamad Ali. 2015. “Analisis Faktor-Faktor Penentu Pembiayaan Perbankan Syariah Pada Sektor Pengangkutan Dan Komunikasi Di Indonesia.” Al-Muzara’ah, Vol.3 No.1

Kusumawati, Nidaa Nazaahah., Nunung Nuryartono., Irfan Syauqi Beik. 2017. “Analisis Pembiayaan Dan Kredit Sektor Konstruksi Di Indonesia: Studi Pada Perbankan Syariah Dan Konvensional.” Jurnal Ekonomi Dan Kebijakan Pembanguan, Vol.6 No.1

Liliani, Khairunnisa. 2008. “Pengaruh Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), Return On Asset (ROA), Dan Capital Adequacy Ratio (CAR) Terhadap Pembiayaan Bagi Hasil Pada Bank Umum Syariah Di Indonesia Periode 2010-2013.” Journal of Applied Polymer Science, Vol.110 No.5

Mughits, Minhatul., Ries Wulandari. 2016. “Kontribusi Pembiayaan Bank Syariah Untuk Sektor Pertanian Di Indonesia Contribution of Islamic Bank Financing for Agricultural Sector in Indonesia.” Jurnal Al-Muzara’ah, Vol.4 No.1

Nugraha, Muhammad Fakhri. 2014. “Analisis Faktor-Faktor Yang Memengaruhi Pembiayaan Perbankan Syariah Pada Sektor Jasa Dunia Usaha Di Indonesia.” Institut Pertanian Bogor.

Pesaran, M. H., Y. Shin. 1999. “An Autoregressive Distributed Lag Modelling Approach to Cointegration Analysis.” Econometrics and Economic Theory in the 20th Century: The Ragnar Frisch Centennial Symposium.

Qolby, Muhammad Luthfi. 2013. “Faktor – Faktor Yang Mempengaruhi Pembiayaan Pada Perbankan Syariah Di Indonesia Periode Tahun 2007 - 2013.” Economics Development Analysis Journal, Vol.2 No.4

Satia, Emile., Darma., Rita. 2011. “Faktor-Faktor Yang Berpengaruh Terhadap Tingkat Pengguliran Dana Bank Syariah.” Jurnal Akuntansi Dan Investasi, Vol.12 No.1

Suryadi, Geri., Dominicus Savio Priyarsono., Laily Dwi Arsyianti. 2014. “Analisis Pembiayaan Sektor Perdagangan Hotel Dan Restoran Pada Perbankan Syariah Di Indonesia Islamic Banking Financing Analysis on Trade , Hotels , and Restaurants Sector in Indonesia 1 Pendahuluan Sektor Perdagangan , Hotel , Dan Restoran ( PHR ) Termas.” Al-Muzara’ah, Vol. 2 No.2

Suhaimi., Asnaini. 2018. “Pembiayaan Bermasalah di Bank Syariah”. Jurnal Al-Intaj, Vol. 4 No.2

Widodo., Arif., Istianah Asas. 2017. “Determinants of Islamic Rural Bank Financing in Indonesia.” JEJAK: Jurnal Ekonomi Dan Kebijakan, Vol.10 No.2

Wulandari., Wahyuli Ambarwati., Kiswanto. 2013. “Faktor-Faktor Yang Mempengaruhi Pembiayaan Berbasis Bagi Hasil ( Profit And Loss Sharing ).” Jurnal Reviu Akuntansi Dan Keuangan, Vol.3 No.2




DOI: http://dx.doi.org/10.29300/aij.v6i1.3522

DOI (PDF): http://dx.doi.org/10.29300/aij.v6i1.3522.g2867

Refbacks

  • There are currently no refbacks.


Copyright (c) 2024 Ayu Yuningsih, Akhsyim Afandi

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Abstracting and Indexing by: