Pengaruh NPF, FDR, Bank Size Dan Covid-19 Terhadap Pembiayaan UMKM Bank Umum Syariah Indonesia Periode 2018-2021

Fitri Anisa Nusa Putri, Muhammad Wakhid Mustofa

Abstract


MSME has a massive contribution for the national economic development. In order to expanse and strengthening of the MSME sector, Islamic Commercial Banks as a financial intermediary should consider some of main factors before distribute its financing to MSME sector. This study aims to identify and analyze the effect of NPF, FDR, Bank Size and Covid-19 on MSME Financing at Shariah Rural Banks in Indonesia in the priode of 2018-2021 both partially and simultaneously. This study uses a panel data approach where the data needed in this study are from 7 Indonesia Islamic Banks with 112 of total data. The results of this study indicates that FDR and Bank Size variables has a positive significant effect on MSMEs Financing at Shariah Rural Banks. Meanwhile, NPF and the dummy variable Covid-19 has no significant effet on MSMEs Financing at Shariah Rural Banks.


Keywords


NPF; FDR; Bank Size; Covid-19 and MSME Financing

Full Text:

PDF

References


Adnan, A., Ridwan, R., & Fildzah, F. (2016). Pengaruh Ukuran Bank, Dana Pihak Ketiga, Capital Adequacy Ratio, dan Loan To Deposit Ratio Terhadap Penyaluran Kredit Pada Perusahaan Perbankan yang Terdaftar Di Bursa Efek Indonesia Tahun 2011-2015. Jurnal Dinamika Akuntansi Dan Bisnis, 3(2), 49–64. https://doi.org/10.24815/jdab.v3i2.5386

Afkar, T., & Fauziyah. (2021). Predictions and Trends Profitability For Islamic Commercial Banks in Indonesia During The Covid-19 Pandemic. International Journal of Economics, Business, and Accounting Research (IJEBAR), 5(1), 188–196. https://jurnal.stie-aas.ac.id/index.php/IJEBAR

Ardiansyah, M. (2015). Bayang-bayang teori keagenan pada produk pembiayaan perbankan syariah. IJTIHAD Jurnal Wacana Hukum Islam Dan Kemanusiaan, 14(2), 251. https://doi.org/10.18326/ijtihad.v14i2.251-269

Azhari, D. R., Fasa, M. I., Arsyad, M. R., & Junaedi, D. (2020). Impact Of Covid-19 on Financing Islamic Bank in Indonesia . El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 3(2), 144–155. https://doi.org/10.47467/elmal.v3i2.507

Dendawijaya. (2009). Manajemen Perbankan. Ghalia Indonesia.

Effendi, J., & Yasmin, N. (2017). The Effect of Internal and External Factors of Banking to the SMEs Financing for BPRS in Indonesia. Jurnal Keuangan Dan Perbankan, 21(3), 498–514. https://doi.org/10.26905/jkdp.v21i3.1221

Ghozali, I., & Ratmono, D. (2013). Analisis Multivariat dan Ekonometrika: Teori, Konsep dan Aplikasi dengan Eviews 8. Badan Penerbit Universitas Diponegoro.

Gujarati, & Damodar, N. (2006). Ekonometrika Dasar (Jakarta). Erlanggga.

Gumilarty, G. R. M., & Indriani, A. (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. https://ejournal3.undip.ac.id/index.php/djom/article/view/17922

Hariyanto, H., & Nafi’ah, B. (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

Hidayat, S. E., Farooq, M. O., & Alim, E. A. (2020). Covid-19 And Its Impacts On The Islamic Financial Industry In The OIC Countries. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries. KNEKS.

Husaeni, U. A., Zakiah, S., & Faisal, F. (2021). Determinants of Micro and Small Business Financing In Sharia Commercial Banks In Indonesia. Journal Ilmiah Ekonomi Islam, 7(03), 1499–1504.

Khaddafi, M., Chalirafi, C., Muchsin, M., & Khairani, E. (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

Kurotamunobaraomi, T., Giami, I. B., & Obari, O. B. (2017). Liquidity and Performance of Nigerian Banks. Journal of Accounting and Financial Management, 3(1), 34–46. https://www.researchgate.net/publication/324226259

Maryanto, M., Chalim, M. A., & Hanim, L. (2022). Upaya Pemerintah Dalam Membantu Pelaku Usaha Umkm Yang Terdampak Pandemi Covid-19. Audi Et AP : Jurnal Penelitian Hukum, 1(01), 1–11. https://doi.org/10.24967/jaeap.v1i01.1484

Muhammad. (2015). Manajemen Pembiayaan Bank Syariah. STIM YKPN.

Rachmawati, M. (2020). Kontribusi Sektor UMKM pada Upaya Pengentasan Kemiskinan di Indonesia. Jurnal Ekonomi, Sosial & Humaniora, 1(7), 1–13.

Sinaga, N. S. A., & Masdjodjo, G. N. (2022). Faktor Internal Bank Terhadap Penyaluran Kredit Perbankan yang Terdaftar di Otoritas Jasa Keuangan Tahun 2016-2020. Jurnal Ilmiah Komputerisasi Akuntansi, 15(1), 146–158.

Syamlan, Y. T., & Jannah, W. (2019). the Determinant of Credit Risk in Indonesian Islamic Commercial Banks. Share: Jurnal Ekonomi Dan Keuangan Islam, 8(2), 181–206. https://doi.org/10.22373/share.v8i2.5051.




DOI: http://dx.doi.org/10.35448/jiec.v7i1.18966

Refbacks

  • There are currently no refbacks.


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

Copyright © Syi’ar Iqtishadi: Journal of Islamic Economics, Finance and Banking.