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All Journal Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam Kompartemen : Jurnal Ilmiah Akuntansi Journal of Social Research Society: Jurnal Pengabdian Masyarakat Penamas: Journal of Community Service Jurnal Ilmiah Keuangan Akuntansi Bisnis Jurnal Ekonomi, Bisnis dan Manajemen Journal Research of Social Science, Economics, and Management Hikmayo: Jurnal Pengabdian Masyarakat Tintamas: Jurnal Pengabdian Indonesia Emas JMMU: Jurnal Mahasiswa Manajemen dan Umum
Yudi Siyamto
Akademi Manajemen Administrasi Yogyakarta
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Dana Pihak Ketiga dalam Pertumbuhan Aset dan Efisiensi, serta Tantangan Pengaruh Pembiayaan UMKM dan Manajemen Risiko pada BPRS di Indonesia Siyamto, Yudi; Sumadi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 1 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i1.18332

Abstract

This study aims to analyze the effect of Third-Party Funds (TPF) and Micro, Small, and Medium Enterprises (MSME) financing on asset performance, fund intermediation efficiency, and financing risk of Islamic Rural Banks (BPRS) across Indonesian provinces during the 2020–2024 period. The research utilizes secondary data from the Islamic Banking Statistics published by the Financial Services Authority (OJK). Panel data regression analysis was conducted using Stata through three main models examining the determinants of assets, Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF). The findings reveal that TPF serves as the primary driver of asset growth in BPRS, while MSME financing positively and significantly enhances fund intermediation efficiency as reflected in the FDR. Conversely, neither TPF nor MSME financing significantly affect the NPF, suggesting the need to strengthen risk management and internal governance beyond the expansion of financing volume. These findings reinforce and extend the Islamic financial intermediation theory and provide practical policy insights to strengthen the strategic role of BPRS in advancing inclusive and sustainable Islamic microfinance.
Co-Authors Andhina Ika Sunardi ARY SUBIYANTORO Budiyanto Budiyanto Fathoni, Muhammad Isnaini Harun Santoso Helti Nur Aisyiah Herlambang, Susatyo hidayatullah, Hidayatullah hidayatullah Holo, Kristina Intan Sukmawati Khoiri Najib khuzaini, Khuzaini Kusumaningtyas, Daru Putri Maelana, Herman Wahyu dwi Muhammad Isnaini Fathoni Murdapa, Purnama Andri Mursyid Djawas Ngatipan Ninik Fizziah Ummah Nugroho, Himawan Agung Pratiwi, Desy Nur Pratiwi, Olcarissa Ceira Rohimah, Wulan Wahidatun Samsul Rosadi Siarno, Si Islam Sri Febri Astyo Bakti Subandi Subandi Suliantoro Suliantoro Sumadi Sumadi Sumadi Ulul Azmi Mustofa, Ulul Azmi Wibowo, Prihartanto Eko Wijayanti, Irine Diana Sari Yulianta, Eka Yuliantoharinugroho, Yuliantoharinugroho Yuwita Ariessa Pravasanti Yuwita Ariessa Pravasanti, Yuwita Ariessa