THE EFFECT OF WORKING CAPITAL FINANCING, MSME INVESTMENT FINANCING AND NON-PERFORMING FINANCING ON BANK PROFIT GROWTH GENERAL SHARIA
Keywords:
MSME Working Capital Financing; MSME Investment Financing; Non-Performing Financing (NPF); Profit Growth.Abstract
This research was conducted to determine the variable ratio of MSME Working Capital Financing, MSME Investment Financing, and Non-Performing Financing (NPF) on the Profit Growth of Islamic Commercial Banks in Indonesia for the 2015-2021 period. This type of research is quantitative, the data collection method uses nonparticipant observation with data collection techniques through secondary data. The population is all monthly financial statements of Islamic Commercial Banks in Indonesia obtained from statistical data from the Financial Services Authority (OJK). The samples in this study were taken using the saturated sample method, namely monthly financial reports from January 2015 to December 2021, namely 84 samples. Data analysis technique using multiple linear regression. The results of the statistical analysis show: (1) there is a positive and significant effect of MSME working capital financing on profit growth for Islamic Commercial Banks in Indonesia for the 2015-2021 period, (2) there is a positive and significant influence for MSME investment financing on profit growth for Islamic Commercial Banks in Indonesia for the period 2015-2021, (3) there is no significant effect of non-performing financing on the profit growth of Islamic Commercial Banks in Indonesia for the 2015-2021 period, and (4) there is a positive and significant effect of MSME working capital financing, MSME investment financing and non-performing financing jointly on the profit growth of Islamic Commercial Banks in Indonesia for the 2015-2021 period.
Downloads
References
Afkar, T. (2017). Pengaruh Pembiayaan Usaha Mikro, Kecil, Menengah (Umkm), Dan Kecukupan Modal Terhadap Kemampuan Mendapatkan Laba Dari Aset Perbankan Syariah Di Indonesia. Al-Uqud : Journal of Islamic Economics, 1(2), 183. https://doi.org/10.26740/jie.v1n2.p183-201
Agustina, R. (2016). Analisa Faktor-Faktor yang Mempengaruhi Pertumbuhan Laba dengan Ukuran Perusahaan Sebagai Variabel Moderating pada Perusahaan Manufaktur yang Terdaftar di Bursa Efek Indonesia. Jurnal Wira Ekonomi Mikroskil, 6(1), 85–101. https://doi.org/10.55601/jwem.v6i1.255
Ariawan, I. P. W., Ardana, I. M., & Sugiarta, I. M. (2017). Paket Aplikasi Statistik. Rajawali Pers.
Chandra, T., & Priyono. (2022). Statistika Deskriptif. Literasi Nusantara Abadi.
Ester, E., Toni, N., Teng, S. H., & Hutagalung, G. (2022). The Effect of Financial Ratio on Profit Growth with Company Value as a Moderating Variable in Automotive Companies and Components Listed on the Indonesia Stock Exchange. International Journal of Social Science Research and Review, 5(9), 242–255. https://doi.org/10.47814/ijssrr.v5i9.436
Falahudin, & Taqna, M. (2018). Pengaruh Pembiayaan Mudharabah Terhadap Pertumbuhan Laba. Jurnal Ekonomika Indonesia, 13–17.
Febiola, Z., Suardy, W., & Rosa, E. S. (2021). Pengaruh Tabungan Mudharabah Dan Pembiayaan Musyarakah Terhadap Laba. Jurnal Ilmiah Manajemen Kesatuan, 9(3), 573–586. https://doi.org/10.37641/jimkes.v9i3.766
Findiani, F., & Maharani, M. (2023). Pengaruh Kinerja Keuangan , Pembiayaan UMKM dan Kecukupan Modal Terhadap Pertumbuhan Laba Bank Umum Syariah di Indonesia Periode 2016-2020. AKUA: Jurnal Akuntasi Dan Keuangan, 2(1), 1–11. https://doi.org/10.54259/akua.v2i1.1229
Ghozali, I. (2016). Aplikasi Analisis Multivariete. Badan Penerbit Universitas Diponegoro.
Hamzah, L. M., & Agustien, D. (2019). Effect of Micro, Small and Medium Enterprises Development on National Income in the MSME Sector in Indonesia. Jurnal Ekonomi Pembangunan, 8(2), 215–228. http://jurnal.feb.unila.ac.id/index.php/jep/article/view/45
Hasan, Z. (2009). Undang-undang perbankan syariah : titik temu hukum Islam dan hukum nasional. Rajawali Pers.
Karim, A. A. (2017). Bank islam : Analisis fiqih dan keuangan. Raja Grafindo Persada.
Kasmir. (2018). Bank dan Lembaga Keuangan lainnya. Raja Grafindo Persada.
Matoenji, E. Y., Nugroho, L., Soeharjoto, & Aziz, R. M. (2022). DETERMINASI PERTUMBUHAN LABA BANK SYARIAH BERDASARKAN ASPEK PEMBIAYAAN UMKM, JUMLAH OUTLET DAN KUALITAS PEMBIAYAAN. SIKAP, 6(1), 125–140. https://doi.org/10.36418/jcs.v1i3.66
Muhammadinah, M. (2020). Pengaruh Pertumbuhan Dana Pihak Ketiga Terhadap Pertumbuhan Laba Dengan Pertumbuhan Pembiayaan Sebagai Variabel Moderating Pada Bank Syariah Di Indonesia. TECHNOBIZ : International Journal of Business, 3(2), 1. https://doi.org/10.33365/tb.v3i2.722
Mujaddid, F., & Sabila, G. F. (2018). Pengaruh Pembiayaan UMKM dan Rasio Keuangan Terhadap Pertumbuhan Laba Bank Umum Syariah di Indonesia. Jurnal Ekonomi Islam, 9(2), 119–136. http://journal.uhamka.ac.id/index.php/jei
Nurhidayat, N. (2020). Pendekatan Ekonomi Syariah Dalam Menyelesaikan Masalah Ekonomi Akibat Pandemi Covid-19. Islamic Banking : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 6(1), 17–34. https://doi.org/10.36908/isbank.v6i1.160
OJK. (2021). Statistik Perbankan Indonesia - Desember 2021. In Statistik Perbankan Indonesia (Vol. 19, Issue 1, pp. 1858–4233).
Qoyum, A., & Fauziyyah, N. E. (2019). THE HALAL ASPECT AND ISLAMIC FINANCING AMONG MICRO, SMALL, AND MEDIUM ENTERPISES (MSMEs) IN YOGYAKARTA: DOES BERKAH MATTER? Journal of Islamic Monetary Economics and Finance, 5(1), 215–236. https://doi.org/10.21098/jimf.v5i1.1055
Sahabudin, R., Idrus, M. I., & Karim, A. (2021). Pengantar Statistik. Liyan Pustaka.
Siregar, I. G., Hamdani, & Melyanti, I. (2019). Determinan Pertumbuhan Laba dengan Menggunakan Rasio Camel pada Perbankan Syariah di Indonesia Tahun 2012-2016. Competitive Jurnal Akuntansi Dan Keuangan, 1(1), 90–101.
Sufyati, H., Muktiyanto, A., & Mardillasari, R. (2021). Indikator Keuangan & Non Keuangan Kinerja Bank Syariah di Indonesia. Penerbit Insania.
Suryani, Y., & Ika, D. (2019). Faktor-Faktor Yang Mempengaruhi Pertumbuhan Laba Bank Umum Syariah Di Indonesia. JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi, 5(2), 115. https://doi.org/10.31289/jab.v5i2.2642
Tambunan, T. (2019). Recent evidence of the development of micro, small and medium enterprises in Indonesia. Journal of Global Entrepreneurship Research, 9(1). https://doi.org/10.1186/s40497-018-0140-4
