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Journal : Jeksyah

MSME Financing in Indonesia Islamic Banks: Impact of Third-Party Funds, ROA, and FDR Rahmanisa Aulia Safitri; Mukhtar, Saparuddin; Zahra, Siti Fatimah
Jeksyah: Islamic Economics Journal Vol. 4 No. 01 (2024): May 2024 Edition
Publisher : Fakultas Ekonomi dan Bisnis Islam _ IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/jeksyah.v4i01.1507

Abstract

This research aims to analyze the internal factors of banks that influence the distribution of MSME financing at Sharia Commercial Banks. The internal factors in question are seen in terms of Bank Assets, Profitability, and Liquidity. This point of view is measured by the independent variables, namely Third-Party Funds, Return on Assets, and Financing to Deposit Ratio. This research uses time series data sourced from the Otoritas Jasa Keuangan for the period January 2021 - December 2023. Multiple regression models are used for research that employs more than one independent variable. The parameters of multiple linear regression models were estimated using the ordinary least square (OLS) method. This research analyzed publication data from the Otoritas Jasa Keuangan, covering 13 Sharia Commercial Banks, and data from various relevant journals using Eviews 10. The results of the research and hypothesis testing conducted showed that: First, partially, the Third-Party Funds and Financing to Deposit Ratio variables have a significant positive effect on MSME Financing, while the Return on Assets variable has a nonsignificant negative effect on MSME Financing for Sharia Commercial Banks. Second, simultaneously, Third Party Funds, Return on Assets, and Financing to Deposit Ratio have a significant positive effect on MSME Financing at Sharia Commercial Banks. With these results, it is hoped that this research can contribute to policy or decision making for Sharia Commercial Banks to increase financing to the MSME sector, both working capital financing and investment financing for the MSME sector in Indonesia.
Co-Authors -, Rahmanisa Aulia Safitri Adamu Abbas Adamu Adamu, Adamu Abbas ADITYA PRATAMA Aditya Pratama Aditya Pratama Agus Wibowo Agus Wibowo Agustina, Nadya Ahnanto Ahnanto Alhidayatullah Alifah Kusumaningrum Amanda Setiorini Andina, Yunita Tri Andriany, Dewy Rika Anisa Putri Isnaini Aprilisa, Nursyifa Ardilah Fitriani Aryasari, Devita As’ad Samsul Arifin Awaliyah, Nissa Nur Azzahra, Fadilah Azzahra, Shalsa Bagus Shandy Narmaditya Basri Bado Basri Bado Bayu, Gusti Prasetyo Bhakti Dwi Hasta Budiaman, Budiaman Charlie Albert Lasuin Dedeh Dedeh Dian Lestari Dicky Iranto Dicky Iranto Dicky Irianto, Dicky Doni Triono Dwi Handarini Dwi Ringga Edwid Dian Negara Eko Tama Putra Saratian Fadhil Firmansyah Fadhillah, Dini Nur Fauziah, Ilma Nur Fewi Siti Nur’aeni Fitrianingsih, Yuli Gusti Prasetyo Bayu H Herlitah Hafni, Rayni Delya Hamonangan, Mahardhika Michael Hanif Afif Naufal Harya Kuncara Wiralaga Haryo Kuncoro Hasta, Bhakti Dwi Hera Khairunnisa Herlitah Herlitah, Herlitah Herwanto, Muhammad Ravi Hidayah, Shofiyatul Ida Ayu Putu Sri Widnyani Indri Murniawaty Indriyani, Vivia Aegea Iranto , Dicky Isnaini Intan Permadani Jusuf, Halid K Karuniana Dianta Arfiando Sebayang Khafifah, Aura Kikin Yuliaty Subarsa Putri Kinanti Geminastiti Kundriyah, Kundriyah Laelawati Laelawati Lathiefah Rabbaniyah Lilis Suryani Maranik, Zita Fira Marlina Senja Mohamad Rizan Mohammad Rizan Mohammad Rizan, Mohammad Mohammad Sofwan Effendi Mohammad Sofwan Effendi Muh. Abdul Aziz Muhammad Edo Suryawan Siregar Muhammad Fakhri Muhammad Irsyad Mustaqim Muhammad Rio Julianto N., Sri Indah Naf’an, Wazir Nauli, Muthya Octariany Nida Zahra Ningsih, Idha Marta Kurnia Norma Ayu Wahyuni Nur Ramadini Tria Wafa Nuratika, Oktavia Nurwandah Apriyanti Pambagyo, Ridho Mulyo Permadani, Isnaini Intan Popon Pranawati Purwana E.S., Dedi Purwana, Dedy Putri, Febriyanti Safdi Putri, Indira Putri, K. Y.S Rahmanisa Aulia Safitri Rahmatul Khalik Ratnasari, Kania Rd. Tuty Sariwulan Resti Annisa RHI Muhammad Ibnu Hibban Riana Raudha Adni Ridho Mulyo Pambagyo Rifelly Dewi Astuti Rina Herlina Rina Mariana Ristiana, Ayu Rubiah Rubiatul Adawiyah Rudi Casmana, Asep Safhira, Tyas Safitri, Sahdia Salwan Hanafi Samadi Saptono, Ari Saputra, Arif Yogi Sekar Tri Widati Selly Yolanda Selly Yolanda, Selly Setiawan, Dito Shalsa Azzahra Shandy Aditya Siti Fatimah Zahra Siti Nurjanah Siti Saadah Sofwan, M. Soraya Alamanda Soraya, Andien Amirani Sri Indah Nikensari Suparno Suparno Suparno Suparno Suparno Taufik Akbar Tri Dahlia Putri Triono, Doni Umasih Umasih Usep Suhud Vironica Nurani Yonatan Wahono, Puji Wahyuni, Norma Ayu Wang Fei Widawati, Cindi Dyah Widya Meinita Wulan, Linda Dewi Yanti Yulianti Yeti Lastuti Yuliansyah, Ardian Ridho Yusyana Lussardi Zahra, Siti Fatimah Zairin, Gentiga Muhammad