Analysis of factor affecting financing with Islamic banks in agriculture sectors

Sudarsono, Heri; Mifrahi, Mustika Noor; Susantun, Indah; Rudatin, Ari; Ruchba, Sarastri Mumpumi

doi:10.20885/ajim.vol1.iss2.art6

Cited by 7 publications

(10 citation statements)

References 7 publications

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“…This is because IRBs will be more careful in disbursing financing and with a tight financing selection. These results are in line with Riyadi et al [4], Hisan et al [11], Sudarsono et al [14], Azizah et al [9], and Pratikno & Ratnasari [16], who reveal a significant and negative effect of NPF on financing. In conventional banks, NPL also affects loans [8,17].…”

Section: Hypothesis Testing Resultssupporting

confidence: 88%

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Financing Scheme and Determinant Factors

Sutrisno¹

2022

Advances in Economics, Business and Management Research

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This study aims to examine the factors that influence the financing scheme of Islamic Rural Banks (IRBs) in Indonesia. The financing scheme consists of profit margin financing (PMF) and profit-sharing financing (PSF). Factors thought to influence the financing scheme are non-performing financing (NPF), financing to deposit ratio (FDR), capital adequacy ratio (CAR), return on assets (ROA), operating to income ratio (OEIR), and company size (Size). The population in this study was 163 IRBs in Indonesia with a sample of 100 IRBs. The observation period was 4 years, with quarterly data. Hypothesis testing applied multiple regression. The results show that the factors influencing the financing scheme between PMF and PSF are the same, namely, NPF and Size have a significant negative effect, while FDR, CAR, ROA and OEIR have no effect. One variable is OEIR; if the significance level is 10%, then OEIR has a significant and negative effect on the profit-sharing financing scheme, but the profit-margin financing scheme has no effect.

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Section: Hypothesis Testing Resultssupporting

confidence: 88%

“…The novelty of this research is to compare the factors that influence each financing scheme. Most studies examine factors that affect total financing [9,10,14]. Some researchers use the dependent variable of profit-sharing financing [4,15].…”

Section: Introductionmentioning

confidence: 99%

Financing Scheme and Determinant Factors

Sutrisno¹

2022

Advances in Economics, Business and Management Research

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“…Pembiayaan mudharabah merupakan suatu akad pembiayaan yang dilakukan oleh dua pihak, yaitu shahibul maal dan mudharib untuk melakukan suatu kegiatan usaha bersama (Hasibuan, 2019;Sudarsono et al, 2019). Bank syariah berperan sebagai shahibul maal yang memberikan 100% dana yang diminta oleh nasabah sebagai mudharib.…”

Section: Pembiayaan Mudharabah Dan Musyarakahunclassified

Analisis Profitabilitas Bank Syariah Di Indonesia: Pendekatan Autoregressive Distributed Lag (ARDL)

Dewi

Sudarsono²

2021

Al-Mashrafiyah

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This study aims to analyze the factors that affect the profitability of Islamic Commercial Banks in Indonesia. The dependent variable in this study is Return on Assets (ROA), while the independent variables include CAR, NPF, FDR, BOPO, DPK, mudharabah financing, murabahah financing, BI Rate, and inflation. The research period was from January 2015 to July 2020 using the Autoregressive Distributed Lag (ARDL) approach. This study found that in the short term NPF, FDR, BOPO, DPK, mudharabah financing, murabahah financing, and inflation are significant variables on profitability. Meanwhile, in the long term, the variables that are significant to profitability include CAR, BOPO, DPK, and BI Rate. Mudharabah and BOPO financing are the variables that have the biggest influence on profitability. Therefore, Islamic bank management needs to pay attention to the risk of financing using a profit-sharing scheme. In addition, management needs to maintain the level of bank efficiency by taking into account the use of funds to meet operational expense. ABSTRAK Penelitian ini bertujuan untuk menganalisis faktor-faktor yang yang mempengaruhi profitabilitas bank syariah di Indonesia. Penelitian ini mengunakan Return on Asset (ROA) sebagai variable dependen, sedangkan variabel independen antara lain, CAR, NPF, FDR, BOPO, DPK, pembiayaan mudharabah, pembiayaan murabahah, BI Rate, dan inflasi. Periode penelitian dari Januari 2015 hingga Juli 2020 dengan mengunakan pendekatan Autoregressive Distributed Lag (ARDL). Penelitian ini menemukan bahwa dalam jangka pendek NPF, FDR, BOPO, DPK, pembiayaan mudharabah, pembiayaan murabahah, dan inflasi merupakan variabel yang signifikan terhadap profitabilitas. Sedangkan dalam jangka panjang, variabel yang signifikan terhadap profitabilitas meliputi CAR, BOPO, DPK, dan BI Rate. Pembiayaan mudharabah dan BOPO merupakan variabel yang paling berpengaruh terhadap profitabilitas. Oleh karenanya, manajemen bank syariah perlu memperhatikan risiko pada pembiayaan yang mengunakan skema bagi hasil.

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“…One of the reasons for the low allocation of financing in the agricultural sector is the absence of special treatment and proper financing schemes from the financing institutions for the agricultural sector. So far, policies for agricultural financing have been integrated with financing in the real sector, so that agricultural financing is not competitive (Syahri & Harjito 2020;Sudarsono et al, 2020). To further ensure the availability of business capital for agricultural business actors, it is necessary to look for alternative financing models that are in accordance with the characteristics of businesses in the agricultural sector, namely the Islamic financing model (Septindo et al, 2016).…”

Section: Introductionmentioning

confidence: 99%

Analysis of factor affecting Islamic commercial bank financing for the agricultural sector in Indonesia

Wicaksono

Fitriyani

2020

AJIM

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This study aims to analyse the factors that influence Islamic commercial bank financing for the agricultural sector in Indonesia from January 2015 to April 2019. Methodology:Variables used in this study are Agricultural Financing, DPK, NPF, Inflation, Exchange Rates, SBIS, and IPI. The method used in this research is the VAR/VECM method with Impulse Response Function (IRF) analysis and Forecast Error Variance Decomposition (FEVD). Findings:The results show that the variables that significantly influence agricultural financing in the long-term are DPK, Exchange Rate, and IPI. Taking a closer detail, IPI variable has a positive effect, while the DPK and Exchange Rate have a negative effect on agricultural financing. Then NPF, inflation, and SBIS have no effect on agricultural financing in the short and long-term. Based on the results of FEVD, the variable that has the greatest contribution to agricultural financing is DPK compared to Exchange Rate and IPI.Practical applications: Islamic bank directors prioritize efforts to increase funding in order to encourage an increase in the portion of financing in the agricultural sector.Originality: This study examines the effect of financial and macroeconomic performance on mudharabah financing in the short and long term in Indonesia.

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Analysis of factor affecting financing with Islamic banks in agriculture sectors

Cited by 7 publications

References 7 publications

Financing Scheme and Determinant Factors

Financing Scheme and Determinant Factors

Analisis Profitabilitas Bank Syariah Di Indonesia: Pendekatan Autoregressive Distributed Lag (ARDL)

Analysis of factor affecting Islamic commercial bank financing for the agricultural sector in Indonesia

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