Analisis Pengaruh Faktor Internal dan Eksternal terhadap Pembiayaan pada Bank Muamalat Indonesia

Ainun Nuraisiah (Department of Accounting, Politeknik Negeri Bandung, Bandung, Indonesia)
Iwan Setiawan (Department of Accounting, Politeknik Negeri Bandung, Bandung, Indonesia)
Benny Barnas (Department of Accounting, Politeknik Negeri Bandung, Bandung, Indonesia)

Journal of Applied Islamic Economics and Finance
Vol 3 No 3 (2023): Journal of Applied Islamic Economics and Finance (June 2023)

Capital Adequacy Ratio and Third-Party Funds as bank internal factors that can affect financing, while bank external factors are inflation and money supply. Secondary data types for 2010-2022 were obtained from the official websites of OJK, BI, and BMI. The research method uses multiple linear regression model analysis which has the output variable DPK having a positive and significant effect, while CAR and JUB have a partially significant negative effect on BMI financing. Inflation has no effect on financing. Simultaneously all independent variables namely CAR, DPK, Inflation, and JUB have a significant effect on financing.