Model Panel Data dalam Mengukur Determinasi Faktor-Faktor yang Berpengaruh terhadap Pembiayaan Murabahah pada Pebankan Syariah di Indonesia

Authors

  • Yudhistira Ardana IAIN Metro
  • Dudi Septiadi
  • Wulandari Wulandari

DOI:

https://doi.org/10.30651/jms.v7i3.12516

Abstract

Murabaha financing disbursed by Islamic banks is influenced by two factors, namely internal and external factors of the bank. The internal condition of Islamic banking can be seen through the bank's financial statements which are described in financial performance ratios. Meanwhile, to see external factors, macroeconomic variables are used. This study aims to analyze the factors that influence the murabahah financing of Islamic banks using panel data. The variables used in this study are CAR (X1), FDR (X2), Inflation (X3), and SBIS (X4) as independent variables. Murabaha financing (Y) as the dependent variable. The estimation of panel data in this study uses the best model, namely random-effect. All variables used in this study have an effect or influence of 97.16% and the remaining 2.84% is influenced by other factors outside the model. In this study, partially the CAR variable has a significant negative effect, the SBIS variable has a significant positive effect, while the FDR and inflation variables have a significant negative effect on murabahah financing of Islamic banks in Indonesia.

References

Adeusi, S. O. & Aluko, O. A. 2015. “Relevance of Financial Sector Development on Real Sector Productivity: 21st Century Evidence from Nigerian Industrial Sectorâ€. International Journal of Academic Research in Business and Social Sciences. 5(6), 118-132

Agustin, H., Rus, R. MD., & Mohd, K. N. T. 2013. “Financial Performance and Ownership Structure: A Comparison Study between Community Development Banks, Government Banks and Private Banks in Indonesiaâ€. International Journal of Academic Research in Business and Social Sciences. 3(12), 38-49.

Amalia, R. & Hidayah, K. 2015 Pengaruh Dana Pihak Ketiga, Margin Keuntungan, Sertifikat Wadiah Bank Indonesia, Return on Asset, dan non Performing Financing Terhadap Pembiayaan Murabahah Pada Bank Syariah Mandiri Dan Bank Muamalat Indonesia Perioda 2009-2013. Jurnal REKSA: Rekayasa Keuangan, Syariah, dan Audit. 4(1), 1-19.

Anisa, L. S. & Tripusporini, 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.

Ardiansyah., Jibril, H. T., Kaluge, D., & Karim, K. 2019. Permintaan Pembiayaan Murabahah berdasarkan Tingkat Inflasi Dan Suku Bunga Bi Rate pada Bank Syariah di Indonesia. Jurnal Bisnis dan Manajemen. 13(3), 172-180.

Atika & Nasution, M. L. I. 2017. Pengaruh Inflasi, Non Performing Financing (NPF) Dan Dana Pihak Ketiga (DPK) terhadap Pembiayaan Murabahah Pada Bank Syariah Di Indonesia (Periode 2006 - 2016). Jurnal Akuntansi Bisnis dan Publik. 10(1), 206-225.

Aziza, R. P. F. & Mulazid, A. S. 2017. Analisis Pengaruh Dana Pihak Ketiga, Non Performing Financing, Capital Adequacy Ratio, Modal Sendiri Dan Marjin Keuntungan Terhadap Pembiayaan Murabahah. JEBI (Jurnal Ekonomi dan Bisnis Islam). 2(1), 1-15.

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. 6(2), 115-273.

Duli, N. 2019. Metodologi Penelitian Kuantitatif: Beberapa Konsep Dasar untuk Penulisan Skripsi & Analisis Data dengan SPSS. Sleman Yogyakarta: CV Budi Utama.

Dyatama, A. N., & Yuliadi, I. 2015. Determinan Jumlah Pembiayaan Bank Syariah Di Indonesia. Jurnal Ekonomi dan Studi Pembangunan. 16(1), 73-83.

Husaeni, U. H. 2016. The Variables Effects of Murabahah in Islamic Commercial Banks. International Journal of Nusantara Islam. 4(2), 1-16.

Irianto, M. Z. 2021. Determinan Pembiayaan Murabahah (Studi Pada Bank Umum Syariah Di Indonesia Periode Tahun 2015 – 2019). Jurnal PETA. 6(1), 77-91.

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

Lindsey, T. 2012. “Between Piety and Prudence: State Syariah and the Regulation of Islamic Banking in Indonesiaâ€. Sydney Law Review. 34(1), 107-127.

Lubis, M. R. 2019. Analisis Pengaruh Capital Adequacy Ratio (CAR), Nilai Tukar Rupiah, Non Performing Financing, Dan Pembiayaan Murabahah, Terhadap Profitabilitas Perbankan Syariah Di Indonesia. Jurnal Tansiq. 5(1), 1-20.

Medyawati, H. & Yunanto, M. 2011. “Banking Development, Agriculture and Manufacturing Industry Sector in Economic Growth in Indonesia: Do They Influence?â€. International Journal of Trade, Economics and Finance. 2(4),312-317

Nurdiwaty, D., & Faisol, F. 2017. Analisis Financing To Deposit Ratio, Debt To Equity Ratio, Return On Equity Dan Quick Ratio Terhadap Pembiayaan Murabahah Pada Bank Umum Syariah Di Indonesia. Jae (Jurnal Akuntansi Dan Ekonomi), 2(2), 34-53.

Pramuka, B. A. & Purwati, A. S. 2019. Pengaruh NPF, NOM Dan FDR Terhadap Pembiayaan Murabahah Dengan DPK Sebagai Variabel Moderating. MALIA: Journal of Islamic Banking and Finance. 3(1), 17-32

Rachmawati, W., Karim, A., & Manan, A. 2018. Optimalisasi Pembiayaan Murabahah Berprinsip Bagi Hasil Pada Bank Syariah Di Indonesia 2010-2015. Jurnal Dinamika Sosial Budaya. 20(2), 158-170.

Rafay, A. & Sadiq, R. 2015. “Problems and Issues in Transformation from Conventional Banking to Islamic Banking: Literature Review for the Need of a Comprehensive Framework for A Smooth Changeâ€. City University Research Journal. 5(2), 315-326.

Rafsanjani, H. (2016). Pengaruh internal capital adequency ratio (CAR), financing to deposit ratio (FDR), dan biaya operasional per pendapatan operasional (BOPO) dalam peningkatan profitabilitas industri bank Syariah di Indonesia. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 1(1).

Rafsanjani, H., & Sukmana, R. (2014). Pengaruh perbankan atas pertumbuhan ekonomi: studi kasus bank konvensional dan bank syariah di Indonesia. Jurnal Aplikasi Manajemen, 12(3), 492-502.

Rafsanjani, H. (2022). Confirmatory Factor Analysis (CFA) untuk Mengukur Unidimensional Indikator Pilar Pengembangan Perbankan Syariah di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 7(2).

Safitri, I., Nadirsyah, N., & Darwanis, D. 2016. Pengaruh Kinerja Keuangan Terhadap Pembiayaan Bank Umum Syariah Di Indonesia (Periode 2009-2013). Share: Jurnal Ekonomi Dan Keuangan Islam, 5(2), 155–164.

Siagian, Y. K., Budiman, I., & Kismawadi, E. R. 2017. Murabahah Di Bank Pembiayaan Rakyat Syariah Adeco Langsa Tahun 2013-2016. Jurnal Ihtiyadh, 1(1), 56–78.

Susanto, H., Sumarmawati, E. D., & Kholis, N. 2016. Karakteristik penentu pembiayaan murabahah pada Bank Tabungan Negara (BTN) Syariah. Jurnal Ekonomi & Keuangan Islam. 2(2), 21-27.

Susanto, H., Sumarwati, E. D., & Kholis, N. 2016. Karakteristik penentu pembiayaan murabahah pada Bank Tabungan Negara (BTN) Syariah. Jurnal Ekonomi Dan Keuangan Islam, 2(2), 21–27.

Wardiantika, L. & Kusumaningtias, R. 2014. Pengaruh DPK, CAR, NPF, dan SWBI terhadap Pembiayaan Murabahah pada Bank Umum Syariah Tahun 2008-2012. Jurnal Ilmu Manajemen 2(4). 1550-1561.

Zulaecha, H. E. & Yulistiana, F. 2020. Pengaruh Capital Adequacy Ratio, Dana Pihak Ketiga, Financing to Deposit Ratio, Dan Non Performing Financing terhadap Pembiayaan Murabahah (Pada Bank Umum Syariah Periode 2013 – 2018). Competitive Jurnal Akuntansi dan Keuangan. 4(1), 56-65.

Downloads

Published

2022-10-29

How to Cite

Ardana, Y., Septiadi, D., & Wulandari, W. (2022). Model Panel Data dalam Mengukur Determinasi Faktor-Faktor yang Berpengaruh terhadap Pembiayaan Murabahah pada Pebankan Syariah di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 7(3). https://doi.org/10.30651/jms.v7i3.12516

Issue

Vol. 7 No. 3 (2022)

Section

Artikel

License

The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.

Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.

Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.

Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:

  • Patent and trademark rights and rights to any process or procedure described in the article.
  • The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
  • The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.