ANALISIS DETERMINAN YANG MEMPENGARUHI PEMBIAYAAN MURABAHAH PADA BANK UMUM SYARIAH DI INDONESIA

Putri Dwiawani, Heri Sudarsono

Abstract


This study aims to analyze the determinants of murabahah financing as seen from microeconomic factors such as Third Party Funds, Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return On Assets (ROA), Financing to Deposit Ratio (FDR), and BOPO as well as from macroeconomic factors such as BI rate and Inflation that are seen as having an effect in the short and long term. Analysis in this study uses secondary time series data taken from monthly data of OJK and BPS, namely from January 2015 to July 2020. Observation used as many as 67 observations and analysis methods used is Auto-Regressive Distributed Lag (ARDL) with Eviews 9 application. The results obtained from this study are in the short term variables that do not affect Murabahah Financing in Sharia Commercial Banks including CAR, ROA, NPF, BOPO, and Inflation. Meanwhile, Third Party Funds and FDR have a positive relationship and have a significant influence on Murabahah Financing. Then, the BI Rate affects Murabahah Financing but the relationship is negative. In the long term, the variable that has a positive and significant influence on Murabahah Financing is CAR. On the other hand, the NPF and BI Rate have a negative and significant effect on Murabahah Financing. While the rest, DPK, ROA, FDR, BOPO, and Inflation had no effect Murabahah Financing in Sharia Commercial Banks significantly in the long term.

Keywords


Murabaha Financing, Microeconomic Factors, Macroeconomic Factors, Auto-Regressive Distributed Lag

Full Text:

PDF

References


Ali, H., dan Miftahurrohman, M. 2016. Determinan yang Mempengaruhi Pembiayaan Murabahah Pada Perbankan Syariah di Indonesia. Esensi, 6(1), 31–44.

Amalia, R., & Hidayah, K. 2015. Pengaruh Dpk, Margin Keuntungan, Sertifikat Wadiah Bank Indonesia, Return on Asset, Dan Npf Terhadap Pembiayaan Murabahah Pada Bank Syariah Mandiri Dan Bank Muamalat Indonesia Perioda 2009 - 2019. Jurnal REKSA : Rekayasa Keuangan, Syariah, Dan Audit, 4(1), 1–19.

Anisa, L. S., & Tripuspitorini, F. A. 2019. Analisis Pengaruh Dana Pihak Ketiga, Non Performing Finance Murabahah, Dan Inflasi Terhadap Pembiayaan Murabahah Pada Bank Umum Syariah Di Indonesia. Jurnal Maps (Manajemen Perbankan Syariah), 3(1), 52–64.

Aziza, R. V. S., & Mulazid, A. D. E. S. 2015. Analisis Pengaruh Dana Pihak Ketiga, Non Performing Financing, Capital Adequacy Ratio, Modal Sendiri Dan Marjin Keuntungan Terhadap Pembiayaan Murabahah. Jurnal Ekonomi Dan Bisnis Islam (JEBI), 2, 1–15.

Badan Pusat Statistik. Data BI Rate 2015 - 2020. www.bps.go.id diambil 10 Oktober 2020.

Chendrawan, T. S. 2016. Sertifikat wadiah bank indonesia (swbi), jumlah uang beredar (m1), non performing financing (npf), dan inflasi terhadap pembiayaan murabahah pada bank syariah. Jurnal Ekonomi-Qu (Jurnal Ilmu Ekonomi), 6(2), 140–165.

Husaeni, U. A. 2016. The Variables Effects of Murābaḥah in Islamic Commercial Banks. International Journal of Nusantara Islam, 04, 1–16.

Ismail, J., & Kadir, R. 2020. Determinan Pembiayaan Murabahah pada Bank Pembiayan Rakyat Syariah (BPRS) di Indonesia. Ekombis Sains: Jurnal Ekonomi, Keuangan Dan Bisnis, 5(1), 1–10.

Kusnianingrum, D., & Riduwan, A. 2016. Determinan Pembiayaan Murabahah (Studi Pada Bank Syariah Mandiri). Jurnal Ilmu Dan Riset Akuntansi, 5(1), 1–19.

Luthfi, M. 2013. Faktor – Faktor Yang Mempengaruhi Pembiayaan Pada Perbankan Syariah Di Indonesia Periode Tahun 2007 - 2013. Economics Development Analysis Journal, 2(4), 367–383.

Ma’arifa, S. F., dan Budiyono, I. 2015. Analisis Pengaruh Dana Pihak Ketiga, Sertifikat Bank Indonesia Syariah, BI Rate, dan Inflasi Terhadap Pembiayaan Murabahah Perbankan Syariah di Indonesia Periode 2006-2014. Jurnal Sains Ekonomi Dan Perbankan Syariah, 5(1), 1–15.

Nahrawi, A. A. 2017. Original Research Article Pengaruh Capital Adequacy Ratio (CAR), Return On Assets (ROA) dan Non Performing Financing (NPF) Terhadap Pembiayaan Murabahah BNI Syariah. Perisai, 1(April), 141–179.

Nurhasanah, & Melzatia, S. 2019. Analysis of Murabaha Financing from Influence of Asset, Deposit Fund, and Profitability. Journal of Economics and Business, 2(3), 618–626.

Octavina, K., & Darma, E. S. 2012. Pengaruh kas, bonus swbi (sertifikat wadiah bank indonesia), marjin keuntungan, dan dana pihak ketiga terhadap pembiayaan murabahah. 13(1), 53–67.

Otoritas Jasa Keuangan. Statistik Perbankan Syariah 2015-2020. www.ojk.go.id. diambil 10 Oktober 2020.

Prastanto. 2013. Faktor yang Mempengaruhi Pembiayaan Murabahah Pada Bank Umum Syariah di Indonesia. Accounting Analysis Journal, 2(1), 2011–2014.

Rachmawaty, J. R., dan Idayati, F. 2017. Analisis Faktor-Faktor yang Mempengaruhi Pembiayaan Jual-Beli Murabahah Pada Perbankan Syariah di Indonesia. Jurnal Ilmu Dan Riset Akuntansi, 6(9), 1–24.

Rimadhani, M., dan Erza, O. 2017. Analisis Variabel-Variabel Yang Mempengaruhi Pembiayaan Murabahah Pada Bank Syariah Mandiri Periode 2008.01-2011.12. Media Ekonomi, 19(1), 27.

Riyadi, S., dan Raffii, R. M. 2018. Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Bi Rate, Dan Financing To Deposit Ratio Terhadap Pembiayaan Murabahah Pada Bank Syariah Di Indonesia. Perbanas Rerview, 3(2), 18.

Supriani, I., dan Sudarsono, H. 2018. Analisis Pengaruh Variabel Mikro dan Makro Terhadap NPF Perbankan Syariah di Indonesia. Equilibrium: Jurnal Ekonomi Syariah, 6(1), 1.

Wahyudi, A. 2016. Determinan Pembiayaan Murabahah Pada Unit Usaha Syariah: Model Regresi Panel. Esensi: Jurnal Bisnis Dan Manajemen, 6(September), 227–236.

Wardiantika, L., dan Kusumaningtias, R. 2014. Pengaruh DPK, CAR, NPF, dan SWBI Terhadap Pembiayaan Murabahah Pada Bank Umum Syariah Tahun 2008-2012. Jurnal Ilmu Manajemen, 2.

Widarjono, A. 2020. Stability of Islamic banks in Indonesia: Autoregressive Distributed Lag Approach. Jurnal Keuangan Dan Perbankan, 24(1), 40–52.

Yumanita, D., dan Ascarya. 2005. Bank Syariah: Gambaran Umum. In (Vol. 14, Issue 14). http://www.bi.go.id/id/tentang-bi/bi-dan-publik/kebanksentralan/Documents/14. Bank Syariah Gambaran Umum.pdf

Zandi, G., & Ariffin, N. M. 2012. Some issues on Murabahah practices in Iran and Malaysian Islamic banks. African Journal of Business Management, 6(24), 1–18.




DOI: http://dx.doi.org/10.30829/hf.v8i1.9354

Refbacks

  • There are currently no refbacks.


Indexed by: