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All Journal International Journal of Social Service and Research Action Research Literate (ARL) Innovative: Journal Of Social Science Research Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Jurnal Akuntansi, Manajemen, dan Perencanaan Kebijakan Jurnal Pendidikan Non formal Jurnal Pendidikan Matematika Journal Emerging Technologies in Education Jurnal Pengabdian Masyarakat Jurnal Pendidikan Jarak Jauh Science Information System and Technology KONTAN: Jurnal Ekonomi, Manajemen dan Bisnis JIMAD : Jurnal Ilmiah Multidisiplin Sinergi International Journal of Psychology Jurnal Manajemen dan Ilmu Administrasi Jurnal Ekonomi Akuntansi Manajemen Agribisnis
Mohammad, Wily
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Journal : Jurnal Manajemen dan Ilmu Administrasi

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The Influence of Financing on the Loan to Deposit Ratio (LDR) in Baitul Maal Wat Tamwil in Bandung Mohammad, Wily; Rahmawati, Dayyinah Ayunda; Nur, Meilani
Jurnal Manajemen dan Ilmu Administrasi Vol 1 No 1 (2025): APRIL
Publisher : CV. Lentera Literasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58472/jmia.v1i1.43

Abstract

This study aims to analyze the impact of financing on the Loan to Deposit Ratio (LDR) in BMT (Baitul Maal Wat Tamwil) financial institutions in Bandung. Understanding this relationship is crucial, as the LDR serves as a key indicator of liquidity management and financial stability within Islamic microfinance institutions like BMT. The research population includes all financial reports, particularly balance sheet reports, from BMT financial institutions operating in Bandung City. A sample was taken from financial reports covering the period from 2015 to 2023. The collected data was processed using the LDR (Loan to Deposit Ratio) formula and analyzed through various statistical methods using SPSS 24, including simple linear regression analysis, correlation analysis, and the t-test, to assess the significance and strength of the relationship between financing and LDR. The findings of the study indicate that financing does not have a significant effect on the LDR of BMT institutions in Bandung City. This suggests that LDR is influenced by multiple factors beyond financing alone. Other key determinants include third-party funds, the level of deposits, and the equity owned by BMT institutions, which play a crucial role in shaping liquidity ratios. These findings highlight the complexity of liquidity management in Islamic financial institutions and suggest that a more comprehensive approach is needed to evaluate the factors affecting LDR.
Co-Authors Abdul Wahab Ahmad Ridani Amir, Jafar Arifin, Nofri Yudi Ayunda Rahmawati, Dayyinah Basuki Haryono Dahlan Abdullah Djllong, Andi Fitriani Hartono, Natalia Rumanti Hery Margono Judijanto, Loso Kurdi, Musyarrafah Sulaiman Lusiana, Cindy Mahdi Mahdi, Mahdi Maulidiyah, Nabilla Ryca Muharam, Suhari Muthmainah, Hanifah Nurul Nur Alami, Fathoni Nur, Meilani Nurhasanah, Dian Tiara PAHAR KURNIADI, PAHAR Purnamasari, Etika Rahmawati, Dayyinah Ayunda Ryca Maulidiyah, Nabilla Sadiq, Jafar Siti Nur Azizah, Siti Windriasih, Yeni Yance Manoppo