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All Journal Jeksyah JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan
Rahmanisa Aulia Safitri
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Religion Humanities Economics, Econometrics & Finance Social Sciences

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The Influence of Third-Party Funds, Return on Assets, and Financing to Deposit Ratio on Sharia Banking Financing In MSMEs Rahmanisa Aulia Safitri
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 8 No. 2 (2024): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v8i2.2805

Abstract

This article analyzes the determinants of MSME financing at Islamic Commercial Banks. This is measured by internal bank factors, namely Third-Party Funds, Return on Assets, and Financing to Deposit Ratio. The data used is time series data sourced from the Financial Services Authority for the period January 2021 - December 2023. Through multiple linear regression analysis with the Ordinary Least Square (OLS) method, it can be concluded that: First, partially, the TPF and FDR variables have a significant positive effect on MSME Financing, while the ROA variable has an insignificant negative effect on MSME Financing for Islamic Commercial Banks. Second, simultaneously, TPF, ROA, and FDR have a significant positive effect on MSME Financing for Islamic Commercial Banks. With these results, it is hoped that this research can contribute to policy or decision making for Islamic Commercial Banks to increase financing to the MSME sector, both working capital financing and investment financing for the MSME sector in Indonesia.
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 Saparuddin Mukhtar Zahra, Siti Fatimah