DETERMINAN JUMLAH PEMBIAYAAN BANK SYARIAH DI INDONESIA

<p class="Abstract1"><strong>Abstract:</strong> The research aims to analyze the factors influencing the distribution of banking credit, that include the third-party fund, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and the placing fund in the Seritifika...

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Autores principales:	Ayank Narita Dyatama, Imamudin Yuliadi
Formato:	article
Lenguaje:	EN
Publicado:	Universitas Muhammadiyah Yogyakarta 2015
Materias:	financing distribution third party fund capital adequacy ratio return on assets non performing financing Economic theory. Demography HB1-3840
Acceso en línea:	https://doaj.org/article/a8d6c980330a452c9af2c84d213a2e07
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spelling	oai:doaj.org-article:a8d6c980330a452c9af2c84d213a2e072021-12-02T13:13:54ZDETERMINAN JUMLAH PEMBIAYAAN BANK SYARIAH DI INDONESIA1411-99002541-5506https://doaj.org/article/a8d6c980330a452c9af2c84d213a2e072015-04-01T00:00:00Zhttps://journal.umy.ac.id/index.php/esp/article/view/1224https://doaj.org/toc/1411-9900https://doaj.org/toc/2541-5506<p class="Abstract1"><strong>Abstract:</strong> The research aims to analyze the factors influencing the distribution of banking credit, that include the third-party fund, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and the placing fund in the Seritifikat Bank Indonesia Syariah (SBIS). The data which is used is taken from the financial report of the Conventional Bank and the Shari’a Bank period 2010-2014. The technique analysis used the multiple linear regression model, the hypothesis test with the t-test to determine the variable partially, and f-test to determine all variables at once with the significant of 5 persen. The third party fund has positive influence and significant to the distribution of banking credit Non Performing Loan (NPL) and Return On Assets (ROA) has negative influence and significant to the distribution of credit banking. The placing fund in Sertifikat Bank Indonesia Syariah (SBIS) and Capital Adequacy Ratio (CAR) has negative influence and not significant to the distribution of Shari’a banking financing.</p><p class="Abstract2"><strong>Abstrak: </strong>Studi ini bertujuan menganalisis faktor-faktor yang mempengaruhi kebijakan penyaluran kredit perbankan, yang meliputi Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan penempatan dana di Sertifikat Bank Indonesia Syariah (SBIS). Data yang digunakan diperoleh dari laporan keuangan Bank Umum dan Bank Syariah pada tahun 2010-2014. Teknik analisis yang digunakan adalah regresi linier berganda, uji hipotesis dengan uji-t untuk menguji variabel secara parsial, dan uji-F untuk menguji variabel secara serempak dengan tingkat signifikansi 5 persen. DPK berpengaruh positif dan signifikan terhadap penyaluran kredit perbankan NPL dan ROA berpengaruh negatif dan signifikan terhadap penyaluran kredit perbankan. Penempatan dana di Sertifikat Bank Indonesia Syariah (SBIS) dan CAR berpengaruh negatif dan tidak signifikan terhadap jumlah penyaluran pembiayaan perbankan syariah.</p><p class="Keyword1"> </p>Ayank Narita DyatamaImamudin YuliadiUniversitas Muhammadiyah Yogyakartaarticlefinancing distributionthird party fundcapital adequacy ratioreturn on assetsnon performing financingEconomic theory. DemographyHB1-3840ENJurnal Ekonomi & Studi Pembangunan, Vol 16, Iss 1, Pp 73-83 (2015)
institution	DOAJ
collection	DOAJ
language	EN
topic	financing distribution third party fund capital adequacy ratio return on assets non performing financing Economic theory. Demography HB1-3840
spellingShingle	financing distribution third party fund capital adequacy ratio return on assets non performing financing Economic theory. Demography HB1-3840 Ayank Narita Dyatama Imamudin Yuliadi DETERMINAN JUMLAH PEMBIAYAAN BANK SYARIAH DI INDONESIA
description	<p class="Abstract1"><strong>Abstract:</strong> The research aims to analyze the factors influencing the distribution of banking credit, that include the third-party fund, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and the placing fund in the Seritifikat Bank Indonesia Syariah (SBIS). The data which is used is taken from the financial report of the Conventional Bank and the Shari’a Bank period 2010-2014. The technique analysis used the multiple linear regression model, the hypothesis test with the t-test to determine the variable partially, and f-test to determine all variables at once with the significant of 5 persen. The third party fund has positive influence and significant to the distribution of banking credit Non Performing Loan (NPL) and Return On Assets (ROA) has negative influence and significant to the distribution of credit banking. The placing fund in Sertifikat Bank Indonesia Syariah (SBIS) and Capital Adequacy Ratio (CAR) has negative influence and not significant to the distribution of Shari’a banking financing.</p><p class="Abstract2"><strong>Abstrak: </strong>Studi ini bertujuan menganalisis faktor-faktor yang mempengaruhi kebijakan penyaluran kredit perbankan, yang meliputi Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan penempatan dana di Sertifikat Bank Indonesia Syariah (SBIS). Data yang digunakan diperoleh dari laporan keuangan Bank Umum dan Bank Syariah pada tahun 2010-2014. Teknik analisis yang digunakan adalah regresi linier berganda, uji hipotesis dengan uji-t untuk menguji variabel secara parsial, dan uji-F untuk menguji variabel secara serempak dengan tingkat signifikansi 5 persen. DPK berpengaruh positif dan signifikan terhadap penyaluran kredit perbankan NPL dan ROA berpengaruh negatif dan signifikan terhadap penyaluran kredit perbankan. Penempatan dana di Sertifikat Bank Indonesia Syariah (SBIS) dan CAR berpengaruh negatif dan tidak signifikan terhadap jumlah penyaluran pembiayaan perbankan syariah.</p><p class="Keyword1"> </p>
format	article
author	Ayank Narita Dyatama Imamudin Yuliadi
author_facet	Ayank Narita Dyatama Imamudin Yuliadi
author_sort	Ayank Narita Dyatama
title	DETERMINAN JUMLAH PEMBIAYAAN BANK SYARIAH DI INDONESIA
title_short	DETERMINAN JUMLAH PEMBIAYAAN BANK SYARIAH DI INDONESIA
title_full	DETERMINAN JUMLAH PEMBIAYAAN BANK SYARIAH DI INDONESIA
title_fullStr	DETERMINAN JUMLAH PEMBIAYAAN BANK SYARIAH DI INDONESIA
title_full_unstemmed	DETERMINAN JUMLAH PEMBIAYAAN BANK SYARIAH DI INDONESIA
title_sort	determinan jumlah pembiayaan bank syariah di indonesia
publisher	Universitas Muhammadiyah Yogyakarta
publishDate	2015
url	https://doaj.org/article/a8d6c980330a452c9af2c84d213a2e07
work_keys_str_mv	AT ayanknaritadyatama determinanjumlahpembiayaanbanksyariahdiindonesia AT imamudinyuliadi determinanjumlahpembiayaanbanksyariahdiindonesia
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DETERMINAN JUMLAH PEMBIAYAAN BANK SYARIAH DI INDONESIA

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