Islamic banking development and access to credit

Léon, Florian; Weill, Laurent

doi:10.1016/j.pacfin.2017.04.010

Cited by 39 publications

(23 citation statements)

References 25 publications

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“…Other problems that can explain why there is no impact between Islamic bank financing and Indonesia's economic growth locating from the business category provided by Islamic bank financing. Although, Léon and Weill (2018) state the Islamic banking development exerts a positive impact on access to credit when conventional banking development is low.…”

Section: Resultsmentioning

confidence: 99%

Islamic Bank Financing and Its Effects on Economic Growth: A Cross Province Analysis

Afandi

Amin

2019

Signifikan

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Islamic banking industry shows a reasonably good development, one of which is marked by an increase in service coverage in almost all provinces in Indonesia. However, the question is how far Islamic banking capable of contributing to the improvement of Indonesia's economic growth? The purpose of this research is to examine the role of Islamic banking in promoting inclusive economic growth with a sample of 33 provinces in Indonesia. The method used in this research is panel data regression using the fixed effects model. The results show that Islamic bank financing does not have an impact on Indonesia's economic growth. In other words, the results of the research provide information that the existence of Islamic banking in Indonesia has not yet give a significant impact on the welfare of Indonesian society. AbstrakIndustri perbankan syariah menunjukkan perkembangan yang cukup baik yang salah satunya ditandai dengan peningkatan jangkauan layanan hampir di seluruh propinsi di Indonesia. Namun, yang menjadi pertanyaan adalah sejauh manakah perbankan syariah mampu memberikan kontribusi terhadap peningkatan pertumbuhan ekonomi Indonesia? Oleh karena itu, tujuan dari penelitian ini adalah untuk mengetahui bagaimana peran perbankan syariah melalui jenis pembiayaan yang disalurkan yaitu pembiayaan modal kerja, pembiayaan investasi, dan pembiayaan konsumtif dalam mendorong pertumbuhan ekonomi yang inklusif dengan sampel 33 propinsi di Indonesia. Metode yang digunakan dalam penelitian ini adalah regresi data panel dengan menggunakan fixed effects model. Hasil penelitian menunjukkan bahwa pembiayaan perbankan syariah tidak berpengaruh terhadap pertumbuhan ekonomi Indonesia. Dengan kata lain, hasil penelitian memberikan informasi bahwa keberadaan perbankan syariah di Indonesia belum memberikan dampak yang signifikan terhadap kesejahteraan masyarakat Indonesia.Kata Kunci: perbankan syariah, pertumbuhan ekonomi, data panel JEL Code: G21, O47

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Section: Resultsmentioning

confidence: 99%

Islamic Bank Financing and Its Effects on Economic Growth: A Cross Province Analysis

Afandi

Amin

2019

Signifikan

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“…Melalui instrumen redistributif tersebut diharapkan akan mampu dalam meningkatkan akses pembiayaan terhadap UMKM maupun masyarakat. Seperti yang ditemukan oleh Leon and Weill (2017) mendalam untuk ikut dalam skema pemberian pembiayaan kepada UMKM melalui berbagai produk-produknya sesuai akad dan masuk secara langsung ke sektor riil.…”

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Peran Bank Pembiayaan Rakyat Syariah dalam Mengimplementasikan Keuangan Inklusif Melalui Pembiayaan UMKM

Rifai

2017

JURNAL EKONOMI DAN BISNIS ISLAM

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The empowerment of MSMEs can be one of the answers to state not only economic growth but also new money-cycle centers. Financial Inclusion is carried out to address these issues through the deepening of financial access to the regions especially towards the lower middle class. The Syariah Financing Bank as an extension of the formal financial institution seeks to become an intermediary institution in implementing an financial inclusion that aims to state access to finance in Indonesia. This study aimed to see the role of Sharia Financing Bank performed its duty in financing UMKM as an effort to achieve financial inclusion. The data used was secondary data. The research methodology used was descriptive with qualitative approach. Qualitative data analysis used Open Coding, Axial Coding and Selective Coding analysis techniques. Based on the results of the study using three financial inclusion indicators of Bank Indonesia, which are access, usage, and quality indicated that Shariah Financing Bank has so far managed to maintain and increase its capacity to provide access, channel financing, and financial ratios.Keywords: Sharia Financing Bank, Financial Inclusion, MSMEs Abstrak Pemberdayaan UMKM bisa menjadi salah satu jawaban untuk memeratakan tidak hanya pertumbuhan ekonomi tetapi juga pusat-pusat perputaran uang yang baru. Keuangan inklusif diusung untuk menjawab permasalah tersebut melalui pendalaman akses keuangan ke daerah-daerah terutama terhadap masyarakat menengah bawah. Bank Pembiayaan Rakyat Syariah selaku perpanjangan tangan lembaga keuangan formal berusaha untuk menjadi intermediatory institution dalam mengimplementasikan keuangan inklusif yang bertujuan untuk memeratakan akses keuangan di Indonesia. Penelitian ini bertujuan untuk melihat peran Bank Pembiayaan Rakyat Syariah melakukan tugasnya dalam pembiayaan UMKM sebagai upaya untuk mencapai keuangan inklusif. Adapun data yang digunakan adalah data sekunder. Metodologi penelitian yang digunakan adalah deskriptif dengan pendekatan kualitatif. Analisis data kualitatif yang digunakan menggunakan teknik analisis Open Coding, Axial Coding dan Selective Coding. Berdasarkan hasil penelitian menggunakan tiga indikator keuangan inklusif Bank Indonesia yaitu access, usage, dan qualitymenunjukkan bahwa Bank Pembiayaan Rakyat Syariah sejauh ini telah berhasil menjaga dan meningkatkan kapasitasnya dalam memberikan akses, menyalurkan pembiayaan, dan rasio keuangan.

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“…() find evidence supporting diversification strategy for Islamic banks. Leon and Weill () investigate Islamic banking developments in relation to access to credit.…”

Section: Output–expert Judgementmentioning

confidence: 99%

Machine Learning and Expert Judgement: Analyzing Emerging Topics in Accounting and Finance Research in the Asia–Pacific

Cai

Linnenluecke

Marrone

et al. 2019

Abacus

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In this paper, we focus on the question to what extent machine learning (ML) tools can be used to support systematic literature reviews. We apply a ML approach for topic detection to analyze emerging topics in the literature-our context is accounting and finance research in the Asia-Pacific region. To evaluate the robustness of the approach, we compare findings from the automated ML approach with the results from a manual analysis of the literature. The automated approach uses a keyword algorithm detection mechanism whereby the manual analysis uses common techniques for qualitative data analysis, that is, triangulation between researchers (expert judgement). From our paper, we conclude that both methods have strengths and weaknesses. The automated analysis works well for large corpora of text and provides a very standardized and non-biased way of analyzing the literature. However, the human researcher is potentially better equipped to evaluate current issues and future trends in the literature. Overall, the best results might be achieved when a variety of tools are used together.

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Islamic banking development and access to credit

Cited by 39 publications

References 25 publications

Islamic Bank Financing and Its Effects on Economic Growth: A Cross Province Analysis

Islamic Bank Financing and Its Effects on Economic Growth: A Cross Province Analysis

Peran Bank Pembiayaan Rakyat Syariah dalam Mengimplementasikan Keuangan Inklusif Melalui Pembiayaan UMKM

Machine Learning and Expert Judgement: Analyzing Emerging Topics in Accounting and Finance Research in the Asia–Pacific

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