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All Journal Al-Muzara'ah Indonesian Journal Of Business And Economics Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences
Adzimatinur, Fauziyah
Faculty Of Economics, University Of Kuningan
Religion Arts Humanities Economics, Econometrics & Finance Social Sciences Other

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Journal : Al-Muzara'ah

 1 
Faktor-Faktor yang Memengaruhi Besaran Pembiayaan Perbankan Syariah di Indonesia Fauziyah Adzimatinur; Sri Hartoyo; Ranti Wiliasih
AL-MUZARA'AH Vol. 3 No. 2 (2015): AL-MUZARA'AH (December 2015)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (580.818 KB) | DOI: 10.29244/jam.3.2.106-121

Abstract

Development of Financing of Islamic banking in Indonesia has increased. However, the amount of financing is only 3-5% when compared to conventional bank loans. This study aims to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of profit and loss sharing, third party funds, and FDR give a positive and significant effect on the financing, while NPF has negative and significant effect. ROA and BOPO have no significant effect on the financing. Shocks that occur in the financing, NPF, and ROA positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, FDR, and BOPO responded negatively by financing and will be stable in the long term.
Co-Authors Ranti Wiliasih Sri Hartoyo Vigory Gloriman Manalu