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All Journal SYIRKAH MALIA: Journal of Islamic Banking and Finance International Journal of Humanities Education and Social Sciences
Yunita Indah Pratiwi
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Religion Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh DPK, CAR, dan FDR Terhadap Pembiayaan Murabahah dengan ROA Sebagai Variabel Moderating Yunita Indah Pratiwi; Rifda Nabila
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.13369

Abstract

This study aims to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) on Murabahah Financing with Return On Assets (ROA) as a moderating variable. The population in this study is all Islamic Commercial Banks in Indonesia that publish their quarterly financial reports at the Otoritas Jasa Keuangan (OJK) and also on the official website of each Islamic Commercial Bank for the period 2016 to 2020. The sampling technique uses purposive sampling technique. and get a sample of 10 Islamic banks. And analyzed using the technique of moderated regression analysis (MRA). The results in this study are: (1) DPK has a positive and significant effect on murabahah financing. (2) CAR has no effect on murabaha financing. (3) FDR has no effect on murabaha financing. (4) ROA cannot moderate the effect of DPK on Murabahah Financing (5) ROA cannot moderate the effect of CAR on Murabahah Financing (6) ROA cannot moderate the effect of FDR on Murabahah Financing. The implications of the results of this study can be used by Islamic bank management in an effort to control the amount of financing to be distributed by taking into account the amount of Third Party Funds (DPK) obtained by Islamic banks.
Pengaruh DPK, CAR, dan FDR Terhadap Pembiayaan Murabahah dengan ROA Sebagai Variabel Moderating Yunita Indah Pratiwi; Rifda Nabila
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.13369

Abstract

This study aims to determine the effect of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) on Murabahah Financing with Return On Assets (ROA) as a moderating variable. The population in this study is all Islamic Commercial Banks in Indonesia that publish their quarterly financial reports at the Otoritas Jasa Keuangan (OJK) and also on the official website of each Islamic Commercial Bank for the period 2016 to 2020. The sampling technique uses purposive sampling technique. and get a sample of 10 Islamic banks. And analyzed using the technique of moderated regression analysis (MRA). The results in this study are: (1) DPK has a positive and significant effect on murabahah financing. (2) CAR has no effect on murabaha financing. (3) FDR has no effect on murabaha financing. (4) ROA cannot moderate the effect of DPK on Murabahah Financing (5) ROA cannot moderate the effect of CAR on Murabahah Financing (6) ROA cannot moderate the effect of FDR on Murabahah Financing. The implications of the results of this study can be used by Islamic bank management in an effort to control the amount of financing to be distributed by taking into account the amount of Third Party Funds (DPK) obtained by Islamic banks.
Peran Prilaku keuangan dalam memediasi literasi keuangan dan inklusi keuangan terhadap kinerja umkm di kota Cirebon Dwi Setiani; Yunita Indah Pratiwi; Acep Komara
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 4 No 1 (2024): IJHESS AUGUST 2024
Publisher : CV. AFDIFAL MAJU BERKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55227/ijhess.v4i1.1126

Abstract

This research aims to analyze the role of financial behavior in mediating the influence of financial literacy and financial inclusion on the performance of MSMEs in Cirebon. This research is quantitative descriptive, primary data. The Partial Least Square (PLS) testing method is based on Structural Equation Modeling (SEM) with the Non-Probability Sampling method with purposive sampling as sample collection. The population in this research is MSME actors in Cirebon City with a sample of 61 micro business actors with a scale for measuring respondents' opinions using Likert. This research shows the following results: First, financial literacy has a negative and insignificant effect on the performance of MSMEs. Second, Financial Inclusion has a positive but not significant effect on MSME performance. Third, Financial Behavior has a positive and significant effect on MSME Performance. Fourth, Financial Literacy has a positive and significant effect on Financial Behavior. Fifth, Financial Inclusion has a positive but not significant effect on Financial Behavior. Sixth, financial behavior has a positive and significant effect in mediating financial literacy on MSME performance. Seventh, financial behavior has a positive and insignificant effect in mediating financial inclusion on MSME performance. This research shows that increasing understanding of financial literacy and knowledge of access to financial services accompanied by good financial behavior and appropriate and wise implementation by MSME players can improve MSME performance.
Co-Authors Acep Komara Dwi Setiani Rifda Nabila