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All Journal LA RIBA: Jurnal Perbankan Syariah
Hairunnisa
Institut Agama Islam Al-Qur???an Al-Ittifaqiah (IAIQI) Indralaya

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PENGARUH PEMBIAYAAN PERBANKAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI SUMSEL Hairunnisa; Inda Fitri Utami; Siti Nurrohmah; Miranti
LA RIBA: Jurnal Perbankan Syariah Vol. 3 No. 02 (2022): Juni 2022
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v3i02.127

Abstract

In times like today, the role of Islamic Banking is very important in the economy as part of the national banking system. Not only as an alternative solution in dealing with global economic turmoil that is increasingly difficult to predict, Islamic Banking also has a special role to encourage economic growth in a country, especially Indonesia with the largest Muslim majority population in the world. The purpose of this study was to get an idea of how the influence of Islamic banking financing in South Sumatra on the regional economic growth of South Sumatra. This research uses quantitative research methods. With the existence of Islamic banking, it is expected to increase the economic growth of the people in the South Sumatra Region.
PEMBIAYAAN UMKM DAN LIKUIDITAS TERHADAP RESIKO PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2019-2021 Herlina; Hairunnisa; Puput Melana Sari
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 01 (2022): Desember 2022
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i01.169

Abstract

Poor financing quality can affect company profits and revenues, decreased profits have an impact on the ability of banks to channel financing which causes Islamic banking to experience financing risks or problematic financing. This study aims to find out how the independent variables (MSME financing and liquidity) influence the dependent variable (financing risk) of Islamic commercial banks in Indonesia for the 2019-2021 period. The method used in this study is quantitative with descriptive statistics, the classic assumption test, namely the normality test, multicollinearity, autocorrelation, and heteroscedasticity test, is also equipped with hypothesis testing, namely the t (partial) test and f (simultaneous) test. The population used in this study is the statistical financial reports of Islamic commercial banks with samples of MSME, FDR and NPF data for 2019-2021 obtained from the Financial Services Authority. From OJK data, the results show that MSME financing does not have a significant effect on financing risk because there is a guarantee from the government to the community, namely the people's business credit program (KUR) which is channeled through Islamic banking institutions, good and bad bank liquidity does not have an impact on financing risks and financing risks occur because problematic financing from customers is not caused by Islamic banking institutions or liquidity owned by Islamic banking. The conclusion of this study is that the Ho hypothesis is accepted, showing that one or both of the independent variables (MSME financing and liquidity) have no effect on the dependent variable (financing risk) of Islamic general banks in Indonesia for the 2019-2021 period.
Co-Authors Herlina Inda Fitri Utami Miranti Puput Melana Sari Siti Nurrohmah