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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jurnal Tabarru': Islamic Banking and Finance Syarikat : Jurnal Rumpun Ekonomi Syariah Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Islamika ARSY : Jurnal Aplikasi Riset kepada Masyarakat Jurnal Pengabdian Masyarakat Indonesia JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Edu Research : Jurnal Penelitian Pendidikan Lok Seva: Journal of Contemporary Community Service International Economic and Finance Review Jurnal Riset Multidisiplin Edukasi Sinergi : Jurnal Ilmiah Multidisiplin
Putri Nuraini
Universitas Islam Riau
Religion Aerospace Engineering Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Immunology & microbiology Physics Public Health Social Sciences Other

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Efektifitas Pembiayan Terhadap Tingkat Likuiditas Perbankan Syariah Winda Pangensah; Marsela; M Wahyu Mauliandra; Putri Nuraini
Sinergi : Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): Sinergi: Jurnal Ilmiah Multidisiplin
Publisher : PT. AHLAL PUBLISHER NUSANTARA

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Abstract

This study aims to understand and analyze the effectiveness of financing on the liquidity levels of Islamic banks. It also seeks to examine whether an increase or decrease in financing has a significant impact on the ability of Islamic banks to maintain their liquidity. This study uses a descriptive quantitative approach to analyze the effectiveness of financing on the liquidity of Islamic banks in Indonesia. The sample was selected from Islamic commercial banks with complete and consistent financial reports, using official data from Bank Indonesia and annual reports. Path analysis was applied to estimate the causal relationship between financing and liquidity, thereby illustrating the role of financing in maintaining bank liquidity stability systematically. The results of the study indicate that the Financing to Deposit Ratio (FDR) of Islamic banks is influenced by third-party funds (DPK), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Return on Assets (ROA). DPK, NPF, and ROA have a negative effect, while CAR has a positive effect. Increasing capital and risk management helps Keywords:  Islamic banking, Financing liquidity, Path analysis, Commercial banks   Abstrak Penelitian ini bertujuan untuk mengetahui dan menganalisis efektvitas pembiayaan terhadap tingkat likuiditas perbankan syariah. Penelitian ini juga ingin melihat apakah peningkatan atau penurunan pembiayaan memiliki dampak yang signifikan terhadap kemampuan bank syariah dalam menjaga likuiditasnya. Penelitian ini menggunakan pendekatan kuantitatif deskriptif untuk menganalisis efektivitas pembiayaan terhadap likuiditas bank syariah di Indonesia. Sampel dipilih dari bank umum syariah dengan laporan keuangan lengkap dan konsisten, menggunakan data resmi dari Bank Indonesia dan annual report. Analisis jalur diterapkan untuk mengestimasi hubungan kausal antara pembiayaan dan likuiditas, sehingga dapat menggambarkan peran pembiayaan dalam menjaga stabilitas likuiditas bank secara sistematis. Hasil penelitian menunjukkan bahwa FDR perbankan syariah dipengaruhi DPK, CAR, NPF, dan ROA. DPK, NPF, dan ROA berpengaruh negatif, sedangkan CAR positif. Peningkatan modal dan manajemen risiko membantu menjaga likuiditas meski dana pihak ketiga naik atau NPF berfluktuasi. Kenaikan CAR menjaga stabilitas likuiditas, sementara pengelolaan risiko yang efektif diperlukan untuk kesehatan keuangan bank. Kata Kunci : Perbankan syariah, Likuiditas pembiayaan, Analisis jalur,Bank umum
Co-Authors Ade Yoelisa Ag Maulana Ahmad Rusdiwantoro Alia Sari Amira Hernawan Amirudin Amirudin Andika Pratama Arif Gunawan Astri Ayu Purwati Boy Syamsul Bakhri Cantika Wulandari Dian Tri Utami Dina Afriyani Eva Mardiana Evelyne Vaquitha Fadhlina Rozzaqyah Firdaus Firdaus Gurisa Adelia Hamzah Hamzah Hanafiah, Anggi Harini Pratiwi Hendra Eka Saputra Heny Handayani Hervina Nathasya Husni Thamrin Irsyadi Zain Laksono Trisnantoro Lina Nurul Arifah M Wahyu Mauliandra Marsela Mohammadtahir Cheumar Mohd. Ario Wahdi Elsye Mufti Hasan Alfani Muhammad Arif Muhammad Ilham Andika Muhammad Luthfi Hamzah Muhammad Wahyu Hidayat Nona Mardianti Nurul Huda Nurul Muyasaroh Okta Debby Anggraini Putri Pertika Dewi Rabiatul Adawiyah Raihana, Raihana Rika Septianingsih Ririn Wise Liner Risman Hambali Saifullah Sandiva Cahya Meilanie Siti Zahara At Thohiroh Sri Okta Bella Sri Wahyuni Marwan Sudianto Sudianto Tiara Salma Wardana Winda Pangensah Windi Wulandari Wulan Syaulia Safitri Y Rahmat Akbar Zulfadli Hamzah Zulkifli Zulkifli Rusby