PENGARUH CAPITAL ADEQUACY RATIO (CAR), DANA PIHAK KETIGA (DPK), NON PERFORMING FINANCING (NPF) DAN INFLASI TERHADAP PEMBIAYAAN SYARIAH SEKTOR UMKM (Studi pada Bank Umum Syariah dan Unit Usaha Syariah Tahun 2016-2019)

FEBRIANI, ASTI (2021) PENGARUH CAPITAL ADEQUACY RATIO (CAR), DANA PIHAK KETIGA (DPK), NON PERFORMING FINANCING (NPF) DAN INFLASI TERHADAP PEMBIAYAAN SYARIAH SEKTOR UMKM (Studi pada Bank Umum Syariah dan Unit Usaha Syariah Tahun 2016-2019). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This study aims to examine the effect of Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Non Performing Financing (NPF) and inflation on SMEs financing. Samples come from Islamic Commercial Banks (BUS) and Sharia Business Units (UUS) registered with the Financial Services Authority (OJK) and Bank Indonesia (BI) for the period 2016 to 2019. This study uses multiple regression analysis using EViews 10 to test the significance of Capital. Adequacy Ratio (CAR), Third Party Funds (DPK), Non Performing Financing (NPF) and inflation. The results provide evidence that Capital Adequacy Ratio (CAR) has a positive and significant effect, Third Party Funds (DPK) have a negative and insignificant effect, Non Performing Financing (NPF) has a negative and significant effect, and inflation has a positive and insignificant effect on financing to SMEs. The results can improve our understanding of the variables that affect financing to SMEs. The results of this study have practical implications for Islamic Financial Institutions that will provide financing to SMEs, giving them a better basis for making decisions for channeling funds by looking at the Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Non Performing Financing (NPF). ) and inflation to be able to create better performance. Keywords: SMEs Financing, Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Non Performing Financing (NPF), inflation Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF) dan inflasi terhadap pembiayaan UMKM. Sampel berasal dari Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) yang terdaftar di Otoritas Jasa Keuangan (OJK) dan Bank Indonesia (BI) untuk periode 2016 hingga 2019. Penelitian ini menggunakan analisis regresi berganda menggunakan EViews 10 untuk menguji signifikansi Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF) dan inflasi. Hasilnya memberikan bukti Capital Adequacy Ratio (CAR) berpengaruh positif dan signifikan, Dana Pihak Ketiga (DPK) berpengaruh negatif dan tidak signifikan, Non Performing Financing (NPF) berpengaruh negatif dan signifikan, dan Inflasi berpengaruh positif dan tidak signifikan terhadap pembiayaan kepada UMKM. Hasilnya dapat meningkatkan pemahaman kita tentang variabel yang mempengaruhi pembiayaan kepada UMKM. Hasil penelitian ini memiliki implikasi praktis bagi Lembaga Keuangan Syariah yang akan memberikan pembiayaan kepada UMKM, memberi mereka dasar yang lebih baik untuk membuat keputusan untuk penyaluran dana dengan melihat Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF) dan inflasi untuk dapat menciptakan kinerja yang lebih baik. Keywords: Pembiayaan UMKM, Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), inflasi

Item Type: Thesis (S1)
NIM/NIDN Creators: 43217010144
Uncontrolled Keywords: Pembiayaan UMKM, Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF), inflasi
Subjects: 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.1 Banks/Bank, Perbankan
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.2 Specialized Banking Institutions/Institusi Perbankan Khusus
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.8 Interest and Discount/Bunga Bank dan Diskon
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian
300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian > 334.2 Banking and Credit Cooperatives/Koperasi Perbankan dan Kredit
Divisions: Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User: Dede Muksin Lubis
Date Deposited: 20 Mar 2023 04:10
Last Modified: 20 Mar 2023 04:10
URI: http://repository.mercubuana.ac.id/id/eprint/75320

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