FAKTOR–FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUDHARABAH DI BANK MUAMALAT INDONESIA
Bahasa Indonesia
DOI:
https://doi.org/10.32332/finansia.v5i2.5370Keywords:
Mudharabah, ROA, CAR, NPFAbstract
Raising funds from third parties of Islamic banks is an indicator of the number of Islamic banks disbursing financing, if more Islamic banks channel financing, the more profit margin returns. This study aims to analyze the factors that influence mudharabah financing at Bank Muamalat Indonesia in 2015-2020. Mudharabah financing will be viewed from Third Party Funds, Return on Assets, Capital Adequacy Ratio, Non Performing Financing and Total Assets. Bank Muamalat Indonesia financial report data for 6 years from 2015-2020 on a quarterly basis so that there are 24 samples. The data were analyzed using multiple linear regression. Partially, the Third Party Fund variable has a negative and significant influence on mudharabah financing. The ROA, NPF and Total Assets variables have a positive influence in distributing mudharabah financing, while the CAR variable has no effect on the distribution of mudharabah financing. However, simultaneously the variables of TPF, ROA, CAR, NPF, and Total Assets affect the distribution of mudhaarabah financing.
References
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Kasmir. Analisis Laporan Keuangan. Jakarta: Raja Wali Pers, 2015.
———. Dasar-Dasar Perbankan. Jakarta: Raja Grafindo Persada, 2002.
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Muhammad. Manajemen Bank Syariah. Yogyakarta: UPP AMP YKPN, 2005.
Muhlisin., and Dawam, Aulia. “Pengaruh FDR, NPF, ROA, Dan AR Terhadap Pembiayaan Mudharabah Bank Syariah Di Indonesia.” EcoSocio : Jurnal Ilmu Dan Pendidikan Ekonomi-Sosial, Vol. 4, No. 2, 2020.
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Nur’aeni., And Setiawan. “Third Party Funds And Non-Performing Financing For Mudharabah Financing In Indonesia’s Sharia Banking.” International Journal Of Business, Economics, And Social Development, Vol. 1, No. 4, 2020.
Ovami, Debbi Chyntia., Thohari, Ayu Azillah., Dan Ovami, Debbi Chyntia. “Pengaruh Dana Pihak Ketiga Dan Non Performing Financing Terhadap Pembiayaan Musyarakah.” Jurnal Penelitian Pendidikan Sosial Humaniora, Vol. 3, No. 1, 2018.
Prastiwi, Iin Emy., Dan Oktaviani. “Faktor Internal Yang Mempengaruhi Likuiditas Bank Syariah: Analisis Rasio Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF).” Jurnal Ilmiah Ekonomi Islam, Vol. 7, No. 2, 2021.
Pratikto, Muhammad Iqbal Surya., And Ratnasari, Ririn Tri. “Third Party Funds, Number Of Capital, And Non-Performing Financing To The Number Of Mudharabah Financing In Indonesia’s Sharia Banking.” Advances In Social Science, Education And Humanities Research (ASSEHR), Vol. 98, No. 3, 2018.
Pujiana, Asri., Paminto, Ardi., Dan Nadir, Maryam. “Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return On Asset (ROA) Terhadap Pembiayaan Perbankan Syariah periode 2012-2016.” Jurnal Ilmu Manajemen Mulawarman (JIMM), Vol. 3 No. 4, 2019.
Rachman, Yoga Tantular., Dan Apandi, Ahmad. “Pengaruh Financing To Deposit Ratio (FDR), Non Performing Financing (NPF), Return On Assets (ROA), Dan Capital Adequacy Ratio (CAR) Terhadap Pembiayaan Mudharabah (Survey Pada Bank Syariah Yang Listing Di Bursa Efek Indonesia Pada Tahun 2009-2013).” Proceedings ICIEF, 15, 2015.
Rafidah. Produk Perbankan Syariah Teori Dan Praktik. Yogyakarta: Magnum Pustaka Umum, 2018.
Rahmani, Novia Rifdah., Dan Wirman. “Pengaruh ROA Dan FDR Terhadap Pembiayaan Mudharabah Pada BNI Syariah (BNIS).” AlL-INFAQ: Jurnal Ekonomi Islam, Vol. 12, No. 1, 2021.
Rifnanda, Siti Indah. Pengaruh Likuiditas Dan Profitabilitas Terhadap Pembiayaan Mudharabah (Studi Kasus Pada Bank Umum Syariah Di Indonesia). Medan: Universitas Muhammadiyah Sumatera Utara, 2019.
Riyadi, Arianto Mudiotomo Selamet., Iqbal, Muhammad., Dan Pangastuty, Annisa Arifah. “Optimization of Profit-Sharing Financing At Islamic Banking In Indonesia.” Jurnal Keuangan Dan Perbankan, Vol. 25, No. 1, 2021.
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Sari, Silfia Permata. Determinan Tingkat Pembiayaan Pada Bank Syariah Di Indonesia. Jakarta: UIN Syarif Hidayatullah, 2020.
Soekarni. “Dinamika Pembiayaan Perbankan Syariah Dalam Mengembangkan Dunia Usaha.” Jurnal Manajemen Pemasaran, Vol. 22, No. 1, 2014.
Soemitra, Andri. Bank Dan Lembaga Keuangan Syariah. Jakarta: Kencana, 2016.
Sri, Anastasya., Anggraini, Ratna., Gurendrawati, Etty., And Hasanah, Nurmalia. “The Influence Of Third-Party Funds , CAR, NPF and ROA Against The Financing of A General Sharia-Based Bank In Indonesia.” The 2013 IBEA, International Conference On Business, Economics, And Accounting, 22-23 March, 2013.
Suwiknyo, Dwi. Analisis Laporan Keuangan Perbankan Syariah. Jakarta: Pustaka Belajar, 2010.
Tanjung, Ami Nullah Marlis. “Pengaruh Total Aset Dan Dana Pihak Ketiga Terhadap Pembiayaan Pada Bank Muamalat Indonesia.” Al-Sharf: Jurnal Ekonomi Islam, Vol. 1, No. 2, 2020.
Ulfa, Maria. Analisa Perkembangan Aset, Dana Pihak Ketiga (DPK), Dan Pembiayaan Perbankan Syariah Di Indonesia. Yogyakarta: Universitas Guna Darma, 2010.
Wibowo. Potret Perbankan Syariah Di Indonesia Terkini Kajian Kritis Perkembangan Perbankan Syariah. Yogyakarta: Biruni Press, 2007.
Wildaniyati, Arini. “Pengaruh FDR, NPF, ROA, CAR Terhadap Pembiayaan Mudharabah (Studi Empiris Pada Bank Umum Syariah Yang Terdaftar Di Bank Indonesia Pada Tahun 2015-2019).” JAMER : Jurnal Akuntansi Merdeka, Vol. 1, No. 2, 2020.
Aisyah, Binti Nur., Aidiwati, Ria., Wahyudi, Amin., Aziz, Ishan., And Quuratulaini, Intan. “A Study Of Mudarabah Financing In Indonesia: The Effect Of Temporary Shirkah Fund, Return On Asset (ROA), Financing To Deposit Ratio (FDR).” Al-Uqud: Journal Of Islamic Economics, Vol. 5, No. 2, 2021.
Annisa, Suci., Dan Fernanda, Dedi. “Pengaruh DPK, CAR, NPF Dan ROA Terhadap Pembiayaan Mudharabah Pada Bank Syariah Mandiri Periode 2011-2015.” Jurnal Ekonomi & Bisnis Dharma Andalas, Vol. 19, No. 2, 2017.
Anwar, Chairul., Dan Miqdad, Muhammad. “Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Return On Asset (ROA) Terahadap Pembiayaan Mudharabah Pada Bank Umum Syariah.” Riset & Jurnal Akuntansi, Vol. 1, No. 1, 2017.
Aziza, Ratu vien Sylvia., Dan Mulazid, Ade Sofyan. “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), Vol. 2, No. 1, 2017.
Bougatef, Khemaies., Nakhli, Mohamed Sahbi., And Mnari, Othman. “The Nexus Between Islamic Banking And Industrial Production: Empirical Evidence From Malaysia.” ISRA International Journal Of Islamic Finance, Vol. 12, No. 1, 2020.
David. Manajemen Strategis. Jakarta: Salemba Empat, 2016.
Dendawijaya, Lukman. Manajemen Perbankan. Jakarta: Ghalia Indonesia, 2005.
Destiana, Rina. “Analisis Dana Pihak Ketiga Dan Risiko Terhadap Pembiayaan Mudharabah Dan Musyarakah Pada Bank Syariah Di Indonesia.” LOGIKA Jurnal Ilmiah Lemlit Unswagati Cirebon, Vol. 17, No. 2, 2016.
Diana. “Pengaruh Return On Asset, Tingkat Bagi Hasil Dan Deposito Mudharabah Terhadap Pembiayaan Mudharabah Pada Bank Umum Syariah Di Indonesia.” Proceeding Seminar Nasional Politeknik Negeri Lhokseumawe, Vol. 2, No. 1, 2018.
Fadli, Achmad Agus Yasin. “Pengaruh Financing To Deposit Ratio (FDR) Dan Non- Performing Financing (NPF) Terhadap Bagi Hasil Deposito Mudharabah Pada Bank Syariah Mandiri”.” Jurnal Maksipreneur, Vol. 8, No. 1, 2018.
Fahmi, Irham. Analisis Laporan Keuangan. Bandung: Alfabeta, 2015.
Fajrianti, Rahmi. “Analisis Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Non Performing Financing, Dan Return On Asset Terhadap Pembiayaan Pada Bank Umum Syariah Periode 2009-2013.” Jurnal Eproc, Vol. 1, No. 3, 2014.
———. “Pengaruh Return On Asset (ROA) Dan Financing To Deposit Ratio (FDR) Terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah.” Jurnal Dinamika Akuntansi Dan Bisnis, Vol. 2, No. 1, 2015.
Ferhi, Afifah. “Credit Risk And Banking Stability: A Comparative Study Between Islamic And Conventional Banks.” International Journal Of Law And Management, Vol. 6, No. 4 2018.
Fitri, Maltuf. “Peran Dana Pihak Ketiga Dalam Kinerja Lembaga Pembiayaan Syariah Dan Faktor-Faktor Yang Memengaruhinya.” Economica: Jurnal Ekonomi Islam, Vol. 7, No. 1, 2016.
Fitriyanti, Citra., Azib., Dan Nurdin. “Pengaruh Dana Pihak Ketiga, Return On Asset (ROA), Capital Adequacy Ratio (CAR), Biaya Operasional, Pendapatan Operasional (BOPO) Terhadap Pembiyaan Bagi Hasil.” Prosiding Manajemen, 2014.
Gumilarty, Gittrys Ratu Mashita., Dan Indriani, Astiwi. “Analisis Pengaruh DPK, NPF, ROA, Penempatan Dana Pada SBIS, Dan Tingkat Bagi Hasil Terhadap Pembiayaan Bagi Hasil.” Diponegoro Journal Of Management, Vol. 5, No. 4, 2016.
Gunanto, Djoko Sigit. “Pengaruh Financing To Deposit Ratio (FDR), Dana Pihak Ketiga (DPK) Dan Return On Asset (ROA) Terhadap Pembiayaan Musyarakah.” Edunomika, Vol. 2, No. 2, 2018.
Harahap, Sofyan Syafri. Analisis Kritis atas Laporan Keuangan. Jakarta: Raja Wali Pers, 2011.
Harianto, Syawal., Siregar, Saparuddin., Dan Sugianto. “Analisis Pengaruh Dana Pihak Ketiga, Total Aset, Dan Non-Performing Finance Terhadap Pembiayaan Bagi Hasil.” Jurnal EMT KITA, Vol. 6, No. 1, 2022.
Juliafri, Eko. Pengaruh Dana Pihak Ketiga, Total Asset Dan Profitabilitas Terhadap Pembiayaan Perbankan Syariah Di Indonesia Periode 2015-2019. Jambi: UIN STS Jambi, 2020.
Kasmir. Analisis Laporan Keuangan. Jakarta: Raja Wali Pers, 2015.
———. Dasar-Dasar Perbankan. Jakarta: Raja Grafindo Persada, 2002.
Kusmyati, Siti Anisyah. “Pengaruh Capital Adequacy Ratio (CAR), Return On Asset (ROA), Non Performing Finance (NPF) Terhadap Pembiayaan Musyarakah Pada Bank Umum Syariah Di Indonesia Tahun 2015-2017.” Prosiding Ilmu Ekonomi, Vol. 5, No. 1, 2019.
Medyawati, Henny., And Yunanto, Muhamad. “Factors Influencing Islamic Bank Financing In Indonesia.” Journal Of Economics And Business, Vol. 2, No. 1, 2019.
Muhammad. Manajemen Bank Syariah. Yogyakarta: UPP AMP YKPN, 2005.
Muhlisin., and Dawam, Aulia. “Pengaruh FDR, NPF, ROA, Dan AR Terhadap Pembiayaan Mudharabah Bank Syariah Di Indonesia.” EcoSocio : Jurnal Ilmu Dan Pendidikan Ekonomi-Sosial, Vol. 4, No. 2, 2020.
Nafis, Rifqi Khuamirotun., And Sudarsono, Sudarsono. “Faktor–faktor Yang Mempengaruhi Pembiayaan Mudharabah Pada Bank Umum Syariah Di Indonesia.” Jurnal Ilmiah Ekonomi Islam, Vol. 7, No. 1, 2021.
Nur’aeni., And Setiawan. “Third Party Funds And Non-Performing Financing For Mudharabah Financing In Indonesia’s Sharia Banking.” International Journal Of Business, Economics, And Social Development, Vol. 1, No. 4, 2020.
Ovami, Debbi Chyntia., Thohari, Ayu Azillah., Dan Ovami, Debbi Chyntia. “Pengaruh Dana Pihak Ketiga Dan Non Performing Financing Terhadap Pembiayaan Musyarakah.” Jurnal Penelitian Pendidikan Sosial Humaniora, Vol. 3, No. 1, 2018.
Prastiwi, Iin Emy., Dan Oktaviani. “Faktor Internal Yang Mempengaruhi Likuiditas Bank Syariah: Analisis Rasio Capital Adequacy Ratio (CAR), Dana Pihak Ketiga (DPK), Non Performing Financing (NPF).” Jurnal Ilmiah Ekonomi Islam, Vol. 7, No. 2, 2021.
Pratikto, Muhammad Iqbal Surya., And Ratnasari, Ririn Tri. “Third Party Funds, Number Of Capital, And Non-Performing Financing To The Number Of Mudharabah Financing In Indonesia’s Sharia Banking.” Advances In Social Science, Education And Humanities Research (ASSEHR), Vol. 98, No. 3, 2018.
Pujiana, Asri., Paminto, Ardi., Dan Nadir, Maryam. “Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return On Asset (ROA) Terhadap Pembiayaan Perbankan Syariah periode 2012-2016.” Jurnal Ilmu Manajemen Mulawarman (JIMM), Vol. 3 No. 4, 2019.
Rachman, Yoga Tantular., Dan Apandi, Ahmad. “Pengaruh Financing To Deposit Ratio (FDR), Non Performing Financing (NPF), Return On Assets (ROA), Dan Capital Adequacy Ratio (CAR) Terhadap Pembiayaan Mudharabah (Survey Pada Bank Syariah Yang Listing Di Bursa Efek Indonesia Pada Tahun 2009-2013).” Proceedings ICIEF, 15, 2015.
Rafidah. Produk Perbankan Syariah Teori Dan Praktik. Yogyakarta: Magnum Pustaka Umum, 2018.
Rahmani, Novia Rifdah., Dan Wirman. “Pengaruh ROA Dan FDR Terhadap Pembiayaan Mudharabah Pada BNI Syariah (BNIS).” AlL-INFAQ: Jurnal Ekonomi Islam, Vol. 12, No. 1, 2021.
Rifnanda, Siti Indah. Pengaruh Likuiditas Dan Profitabilitas Terhadap Pembiayaan Mudharabah (Studi Kasus Pada Bank Umum Syariah Di Indonesia). Medan: Universitas Muhammadiyah Sumatera Utara, 2019.
Riyadi, Arianto Mudiotomo Selamet., Iqbal, Muhammad., Dan Pangastuty, Annisa Arifah. “Optimization of Profit-Sharing Financing At Islamic Banking In Indonesia.” Jurnal Keuangan Dan Perbankan, Vol. 25, No. 1, 2021.
Sabarudin, Aulia Nur Faizah. “Pengaruh Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Dan Dana Pihak Ketiga (DPK), Terhadap Penyaluran Pembiayaan Mudharabah Pada Bank Umum Syariah Di Indonesia Periode 2015-2017.” Prosiding Ilmu Ekonomi, Vol. 6, No. 1, 2021.
Sari, Silfia Permata. Determinan Tingkat Pembiayaan Pada Bank Syariah Di Indonesia. Jakarta: UIN Syarif Hidayatullah, 2020.
Soekarni. “Dinamika Pembiayaan Perbankan Syariah Dalam Mengembangkan Dunia Usaha.” Jurnal Manajemen Pemasaran, Vol. 22, No. 1, 2014.
Soemitra, Andri. Bank Dan Lembaga Keuangan Syariah. Jakarta: Kencana, 2016.
Sri, Anastasya., Anggraini, Ratna., Gurendrawati, Etty., And Hasanah, Nurmalia. “The Influence Of Third-Party Funds , CAR, NPF and ROA Against The Financing of A General Sharia-Based Bank In Indonesia.” The 2013 IBEA, International Conference On Business, Economics, And Accounting, 22-23 March, 2013.
Suwiknyo, Dwi. Analisis Laporan Keuangan Perbankan Syariah. Jakarta: Pustaka Belajar, 2010.
Tanjung, Ami Nullah Marlis. “Pengaruh Total Aset Dan Dana Pihak Ketiga Terhadap Pembiayaan Pada Bank Muamalat Indonesia.” Al-Sharf: Jurnal Ekonomi Islam, Vol. 1, No. 2, 2020.
Ulfa, Maria. Analisa Perkembangan Aset, Dana Pihak Ketiga (DPK), Dan Pembiayaan Perbankan Syariah Di Indonesia. Yogyakarta: Universitas Guna Darma, 2010.
Wibowo. Potret Perbankan Syariah Di Indonesia Terkini Kajian Kritis Perkembangan Perbankan Syariah. Yogyakarta: Biruni Press, 2007.
Wildaniyati, Arini. “Pengaruh FDR, NPF, ROA, CAR Terhadap Pembiayaan Mudharabah (Studi Empiris Pada Bank Umum Syariah Yang Terdaftar Di Bank Indonesia Pada Tahun 2015-2019).” JAMER : Jurnal Akuntansi Merdeka, Vol. 1, No. 2, 2020.
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2022-11-07
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FAKTOR–FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUDHARABAH DI BANK MUAMALAT INDONESIA: Bahasa Indonesia. (2022). FINANSIA : Jurnal Akuntansi Dan Perbankan Syariah, 5(2), 143-160. https://doi.org/10.32332/finansia.v5i2.5370
