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Journal : Al-Muzara'ah

Faktor-Faktor yang Memengaruhi Besaran Pembiayaan Perbankan Syariah di Indonesia Fauziyah Adzimatinur; Sri Hartoyo; Ranti Wiliasih
AL-MUZARA'AH Vol. 3 No. 2 (2015): AL-MUZARA'AH (December 2015)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (580.818 KB) | DOI: 10.29244/jam.3.2.106-121

Abstract

Development of Financing of Islamic banking in Indonesia has increased. However, the amount of financing is only 3-5% when compared to conventional bank loans. This study aims to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of profit and loss sharing, third party funds, and FDR give a positive and significant effect on the financing, while NPF has negative and significant effect. ROA and BOPO have no significant effect on the financing. Shocks that occur in the financing, NPF, and ROA positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, FDR, and BOPO responded negatively by financing and will be stable in the long term.
Co-Authors -, Komadin ., Harianto Abdullah Aman Damai Achmad Komara Achyar, Nadia Nurvita Ilahi Adam Sugiharto, Adam ADANG AGUSTIAN Adi Putra Adiputra, Henry Jonathan Adler H. Manurung Adzimatinur, Fauziyah Agus Budi Utomo Agus Maulana Agus Wijaya Soehadi Agustina Widi Palupiningrum‬ Ahmad Nugroho, Jati Aji Hermawan Akbari, Hafsarizka Al. Agus Kristiadi Al. Agus Kristiadi Alamsyah, Zeffry Ali Ashar Ali Khomsan Aman Wirakartakusumah Amriwan, Azis Amron Amron, Amron Amzul Rifin Andi Oktoriyana, Andi ANGGRAENI, ADITHIA Ani Haryati, Ani Anita Damayantie Anna Faryanti Aranggraeni, Renda Arde Lindung Pambudi Arief Daryanto Arif Satria Arifin, Bustanil Arifin, Bustanil Arina Hayati Aris Solikhah, Aris Arismunandar, T Maureza Aristi Dian Purnama Fitri Arya Hadi Dharmawan Astari Sukmaningtyas Atika Rahma Baadila, Ikram Bagus Sartono Balagaise, Ancelina Bonar M. Sinaga Bonar Marulitua Sinaga Bonar Marulitua Sinaga Budi Suharjo Budiono Budiono Bustanil Arifin Cahyaningsurya, Nabila Sahara Cahyo Dwi Sulistiyo Cornelis, Vieta Imelda D, Sri Sukmana Dadang Sukandar Dadi Adriana Dahlia Nauly Dahmiri Damayanti, Elok Damayanti, Sri Sukmana Dapin, Rahmad Harry Dardiri, Yusuf Dedi Budiman Hakim Dewi, Niken Puspita Diah Diana Sulistyorini Diah Krisnatuti Dieni, Lidya Dominicus Savio Priyarsono Dwinugroho Putro Utomo E. Gumbira Sa’id Eka Intan K.P. Eka Intan Kumala Putri Eka Wulida Latifah Elisa Anggraeni, Elisa Ely Nurhayati Elys Fauziyah Endang Koestati Sri Harini Muntasib Endriatmo Soetarto Erna Rochana Ernu Widodo, Ernu Erry Ricardo Nurzal Ervin Nora Susanti Erwidodo Erwidodo Eva Z. Yusuf Eva Z. Yusuf Eva Z. Yusuf Fadwati, Amida Fahmi, Ali Farisha, Mega Fariyanti, Anna Fathir, Muhammad Aqil Ferdy Adif I. 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