The Effect of Bank’s Internal Factors Towards Micro Financing in Islamic Commercial Bank at Indonesia

Ulfa Rizki Utami

DOI: https://doi.org/10.23917/jisel.v1i1.6327

Abstract

The main driver of Indonesian economic wheel is the small and medium-sized enterprises (SME). This SME plays significant role as well in providing employment opportunity while in the same time adding numbers of business units that support the household income from the business. One of the obstacles faced by SME is the capital and financing constraint, especially for the financing from the bank. Without financing, SME will lose its capability to grow and develop since the main support for SME is the capital and financing itself. This research aims to know the internal factors affecting the third party fund, inflation and the rate of return in the period of 2012-2014 in Islamic commercial banks at Indonesia. The research will carry out the OLS procedure since this technique allows us to know clearly the factors affecting financing in the SME. Our research shows that third party fund significantly affect SME financing with positive sign. Meanwhile, the rate of return is observed to affect negatively to the financing. Inflation also has significant and positive effect with bigger coefficient compared to others in financing for SME.

Keywords

SME, third party fund, inflation, rate of return, OLS.

Full Text:

PDF

References

Arieffandi, R. Y., Firdaus, M., & Sasongko, H. (2016). Faktor-faktor Yang Mempengaruhi Tingkat Kolektibilitas Pembiayaan Sektor UMKM (Studi Kasus: Bank Syariah XYZ Kantor Cabang Jakarta Barat). Jurnal Aplikasi Bisnis dan Manajemen, Vol. 2 No 3.

Astarini, R. P., Hartoyo, S., & Maulana, T. N. (2015). The Impact of Internal and External Factors on Financing of Sharia Banks in Indonesia. International Journal of Science and Research, Volume 5 Issue 9.

Aziz, R. M. (2017). Development Of Small Medium Entreprise With External, Internal, And Religiosty Factors In Islamic Banks. KINERJA, 17-34.

Data Inflasi. (2012). Diambil kembali dari Bank Sentral Republik Indonesia: http://www.bi.go.id/id/moneter/inflasi/data

Data Inflasi. (2013). Diambil kembali dari Bank Sentral Republik Indonesia: http://www.bi.go.id/id/moneter/inflasi/data

Data Inflasi . (2014). Diambil kembali dari Bank Sentral Republik Indonesia: http://www.bi.go.id/id/moneter/inflasi/data

Ghozali, I. (2006). Aplikasi Analisis Multivariate Dengan Program SPSS. Semarang: Badan Penerbit Universitas Diponegoro.

Irawan, O., Khalil, J., & Amin, A. R. (2016). Dana Pihak Ketiga, Rasio Kecukupan Modal, Pembiayaan Bermasalah, dan Tingkat Pengembalian Investasi Pada Pembiayaan UMKM. Jurnal Liquidity, 127-133.

Jayanti, S. D., & Anwar, D. (2016). Pengaruh Inflasi dan BI Rate Terhadap Pembiayaan Usaha Mikro Kecil dan Menengah (Studi Pada Bank Umum Syariah). I-Economic, vol.2, no 2.

Kara, M. (2013). Konstribusi Pembiayaan Perbankan Syariah Terhadap Pengembangan Usaha Mikro, Kecil dan Menengah. Ahkam, Vol XIII, No 2.

Marwa, N. (2014). Micro, Small and Medium Enterprises' External Financing Challenges : The Role of Formal Financial Institusi and Development Finance Intervention in Tanzania. International Journal of Trade Economic and Finance, Vol 5 No 3.

Nurhidayah, & Isvandiari, A. (2016). Faktor Internal dan Eksternal Yang Mempengaruhi Alokasi Pembiayaan Usaha Kecil Menengah (Studi Pada Bank Syari'ah Indonesia). Jurnal JIBEKA, 42-48.

Prawirokusumo, S. (2001). Ekonomi Rakyat : Konsep, Kebijakan, dan Strategi . Yogyakarta: BPFE.

Qi Zhang, H. L., & QI, X. (2014). Research on Small and Medium Enterprise Financing Mode Based on Supply Chain Finance. Journal of Chemical and Pharmaceutical Research, 6(5) : 1818-1824.

Statistika Perbakan Syariah. (2012). Diambil kembali dari Otoritas Jasa Keuangan:http://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/default.aspx

Statistika Perbankan Syariah. (2013). Diambil kembali dari Otoritas Jasa Keuangan:http://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/default.aspx

Statistika Perbakan Syariah. (2014). Diambil kembali dari Otoritas Jasa Keuangan:http://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/default.aspx

Wehinger, G. (2014). SMEs and the credit crunch : Current Financing difficulties, policy measures and a review of literature. Journal : Financial Market Trends, VOL 2.

Winarni, S. (2006). Strategi Pengembangan Usaha Kecil Melalui Peningkatan Aksesibilitas Kredit Perbankan. Infokop Nomor 29 Tahun XXII.

Article Level Metrics

Refbacks

  • There are currently no refbacks.