Faktor –Faktor yang Mempengaruhi Pembiayaan Mudharabah pada Bank Umum Syariah di Indonesia

Rifqi Khuamirotun Nafis, Heri Sudarsono

Abstract

In general sharia banking in Indonesia, there are various types of financing offered to customers, one of which is profit-sharing based financing (Mudharabah). Regarding this, the purpose of this study is to determine and measure the relationship between positive and negative and significant or insignificant effects of micro independent variables in the form of TPF, CAR, NPF, FDR, BOPO and macro independent variables in the form of BI Rate and Inflation on the dependent variable, namely PMD. (Mudaraba Financing). In this study using the ARDL (Auto-regression Distributed Lag) regression method with analysis tools, namely the EViews 10 application and for the data used is time series data, the data is also secondary data which is retrieved from the official website of the OJK and BPS Indonesia by retrieving data. from January 2015 - July 2020. It can be concluded that the results of this study show that the independent variables have an effect on micro, namely TPF, CAR, ROA, and BOPO, the results have a negative and significant effect, while the NPF and FDR results are not significant (no influential) and for the independent variable the macro effect is the Bi Rate, the results have a significant negative effect, while for the inflation the results are positive and insignificant (no effect) on PMD (Mudharabah Financing).

Keywords

Mudharabah financing, micro variables, macro variables, Auto -regressive Distributed Lag.

Full Text:

PDF

References

Al Arif, M. N. R., & Nurhikmah, I. (2017). Determinan Pembiayaan Bagi Hasil Perbankan Syariah Di Indonesia: Model Regresi Panel. AL-FALAH : Journal of Islamic Economics, 2(1), 1. https://doi.org/10.29240/jie.v2i1.161

Amelia, E., & Hardini, E. F. (2017). Determinant of Mudharabah Financing: A Study at Indonesian Islamic Rural Banking. Etikonomi, 16(1), 43–52. https://doi.org/10.15408/etk.v16i1.4638

Annisa, L. N., & Yaya, R. (2013). Pengaruh Dana Pihak Ketiga, Tingkat Bagi hasil dna Non Perfoming Financing Terhadap Volume dan Porsi Pembiayaan Berbasis Bagi Hasil. SHARE, d(1), 79–104.

Anwar, C., & Miqdad, M. (2013). Pengaruh Dana Pihak Ketiga (DPK), Return On Asset (ROA) Terhadap Pembiayaan Mudharabah Pada Bank Umum Syariah Tahun 2008-2012. Riset Dan Jurnal Akuntansi, 1(1), 42–47.

Citra Fitriyanti. Azib, N. (2015). Pengaruh Dana Pihak Ketiga, Return On Asset (Roa), Capital Adequacy Ratio (Car), Biaya Operasional dan 1Citra Fitriyanti, 2Azib, 3Nurdin. Prosiding Manajemen, 1(2), 235–243. https://doi.org/http://dx.doi.org/10.29313/.v0i0

Daftar Inflasi. 2020. Indeks Harga Konsumen dan Inflasi Bulanan Indonesia Tahun 2006-2020.(online) www.bps.go.id

Daftar Statistik Perbankan Syariah. 2020. Perkembangan Syariah pada tahun 2015-2020 (online). www.ojk.go.id. diakses tanggal 24 Juli 2015

Daftar BI Rate. (2020). BI Rate Periode 2015 - 2020 (online). www.bps.go.id

Gianini, N. gilang. (2013). Faktor Yang Mempengaruhi Pembiayaan Mudharabah Pada Bank Umum Syariah Di Indonesia. Accounting Analysis Journal, 2(1), 1–4. https://doi.org/10.15294/aaj.v2i1.1178

Gumilarty, G. R. M. (2016). Analisis Pengaruh DPK, NPF, ROA, Penempatan Dana Pada SBIS, Dan Tingkat Bagi Hasil Terhadap Pembiayaan Bagi Hasil. Diponegoro Journal of Management, 5(4), 1–14.

Hanifatusa’idah Yuyun, D. N. dan M. C. M. (2019). Pengaruh Dana Pihak Ketiga, Non Performing Financing, dan Return On Asset terhadap Pembiayaan Mudharabah pada Bank Umum Syariah Periode 2014-2017. Jurnal Fakultas Ekonomi Dan Bisnis, Universitas Islam Malang, 8(3), 66–75.

Hutagalung, M. W. R. (2020). Determinan Pembiayaan Mudharabah Pada Perbankan Syariah di Indonesia Muhammad. 8, 1–14.

Murningsih, yunadi ahmad. (2013). Analisis faktor-faktor yang mempengaruhi permintaan pembiayaan mudharabah pada bmt hidayah umat yogyakarta 2013. Ekonomi Syariah Indonesia, III(1).

Ningsih, D. F. (2017). Analisis Faktor Yang Mempengaruhi Pembiayaan Mudharabah Pada Bank Umum Syariah Di Indonesia Periode 2013-2016. Jurnal Ilmiah Riset Akuntansi 6, 151.

Sudarsono, H. (2018). Analisis Pengaruh Variabel Mikro dan MAkro Terhadap NPF Perbankan Syariah di Indonesia. Equilibrium: Jurnal Ekonomi Syariah, 6(1), 1. https://doi.org/10.21043/equilibrium.v6i1.3040

Tokid Dwi Krisnanto1), Nik Amah2), M. N. (2019). Analisis pengaruh dana pihak ketiga, spread bagi hasil, bi rate dan inflasi terhadap pembiayaan bagi hasil bank umum syariah dan unit usaha syariah yang terdaftar di bank indonesia periode 2015-2018. 606–616.

Undang-Undang Republik Indonesia No. 10 tahun 19998. Tentang Perubahan atas Undang - Undang No. 7 Tentang Perbankan. Pasal (1).

Refbacks

  • There are currently no refbacks.