JURNAL MANAJEMEN MOTIVASI
Vol 22 No 2 (2026): Jurnal Manajemen Motivasi

d Determinan Pertumbuhan Pembiayaan UMKM pada Bank Umum Syariah dengan Moderasi Non Performing Financing : Bank Umum Syariah

Feni Marlia (Unknown)
Jaka Waskito (Unknown)
Amirah (Unknown)

Article Info

Publish Date
25 Jul 2026

Abstract

This study examines the effects of BI Rate, Third-Party Funds (DPK), Inflation, and Financing to Deposit Ratio (FDR) on MSME financing growth, with Non-Performing Financing (NPF) as a moderating variable in Islamic Commercial Banks in Indonesia during 2021–2025. Using secondary data from the Financial Services Authority (OJK), 54 observations were analyzed through Multiple Linear Regression and Moderated Regression Analysis (MRA). The results show that BI Rate negatively affects MSME financing growth, while DPK and FDR have positive effects. Inflation has no significant effect. NPF moderates only the relationship between FDR and MSME financing growth, providing insights for improving Islamic banking financing strategies. Keywords: BI Rate; Third Party Funds; Inflation; Financing to Deposit Ratio; Non-Performing Financing

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...