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Nurkholis Yasmin
Department of Sharia Economics Bogor Agricultural University Jl. Raya Darmaga Kampus IPB Darmaga Bogor, 16680
Economics, Econometrics & Finance

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The Effect of Internal and External Factors of Banking to the SMEs Financing for BPRS in Indonesia Jaenal Effendi; Nurkholis Yasmin
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (317.91 KB) | DOI: 10.26905/jkdp.v21i3.1221

Abstract

Small and Medium Enterprises had a strategic role in economic growth. One of the main problems faced by SMEs in Indonesia was the limited financial capital and access to finance. Islamic Rural Banks (BPRS) could play a significant role in providing financing for the development of the real sector through SMEs. This study aimed to analyze the influence of internal and external factors of banking to the SMEs financing for BPRS in Indonesia 2011-2016 periods using the Vector Error Correction Model (VECM) method. In the long-term of VECM estimation result showed that third-party funds, FDR, inflation, and IPI had a significant positive effect on SMEs financing, while BOPO, NPF, ERP, and BSBIS variables negatively affected SMEs financing. This study recommended the importance of increasing the proportion of SMEs financing in line with the increase in the number of third-party funds and putting more funds in the real sector than in the monetary sector.DOI: https://doi.org/10.26905/jkdp.v21i3.1221
Co-Authors JAENAL EFFENDI