Determinan Pembiayaan Bagi Hasil Pada Perbankan Syariah

The Determinant of Profit Sharing Financing in Islamic Banking

  • Yuridistya Primadhita Sekolah Tinggi Ilmu Ekonomi IPWI Jakarta
  • Anggraita Primatami Sekolah Tinggi Ilmu Ekonomi IPWI Jakarta
  • Susilowati Budiningsih Sekolah Tinggi Ilmu Ekonomi IPWI Jakarta
DOI: https://doi.org/10.37366/ekomabis.v2i01.149
Keywords: pembiayaan bagi hasil, pembiayaan bermasalah, rasio pembiayaan, bank syariah, dana pihak ketiga

Abstract

Pembiayaan bagi hasil bank syariah terbagi dalam bentuk pembiayaan mudharabah dan musyarakah yang didasarkan pada skema profit sharing atau revenue sharing. Skema ini sangat berbeda dengan kredit pada bank konvensional yang berbasis bunga. Tujuan penelitian adalah untuk menganalisis pengaruh dana pihak ketiga (DPK), financing to deposit ratio (FDR), dan non performing financing (NPF) terhadap pembiayaan bagi hasil perbankan syariah di Indonesia. Penelitian terdiri atas 37 observasi meliputi periode September 2017 sampai dengan September 2020. Data dianalisis dengan metode regresi linier berganda. Penelitian menghasilkan temuan DPK dan FDR berpengaruh positif terhadap pembiayaan bagi hasil, sementara NPF berpengaruh negatif terhadap pembiayaan bagi hasil. Semakin rendah risiko bank, semakin tinggi pengumpulan dana nasabah, dan semakin besar rasio penyaluran pembiayaan berpengaruh terhadap peningkatan penyaluran pembiayaan berbasis bagi hasil pada perbankan syariah di Indonesia.

Abstract

Profit-sharing financing in Islamic banks is divided into mudharabah and musyarakah financing which is based on a profit-sharing or revenue sharing scheme. This scheme is very different from interest-based credit at conventional banks. This study aims to analyze the impact of third party funds (DPK), financing to deposit ratio (FDR), and non-performing financing (NPF) on the profit-sharing financing of Islamic banking in Indonesia. The study consisted of 37 observations covering the period September 2017 to September 2020. Data were analyzed using multiple linear regression methods. The results of the study showed that TPF and FDR had a positive effect on profit-sharing financing, while NPF had a negative effect on profit-sharing financing. The lower bank risk, the higher collection of customer funds, and the higher financing distribution ratio have an effect on increasing the distribution of profit sharing based financing in Islamic banking in Indonesia.

References

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Published
2021-01-27
How to Cite
Primadhita, Y., Primatami, A., & Budiningsih, S. (2021). Determinan Pembiayaan Bagi Hasil Pada Perbankan Syariah: The Determinant of Profit Sharing Financing in Islamic Banking. EKOMABIS: Jurnal Ekonomi Manajemen Bisnis, 2(01), 1 - 10. https://doi.org/10.37366/ekomabis.v2i01.149
Issue
Vol. 2 No. 01 (2021): Ekomabis Edisi Januari 2021
Section
Articles

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