THE INFLUENCE OF TOTAL THIRD PARTY FUNDS AND INFLATION ON THE ALLOCATION OF FINANCING FOR MICRO, SMALL AND MEDIUM ENTERPRISES AT BANK SUMUT SYARIAH MEDAN KATAMSO BRANCH

Abdi dosen Pub Date : 2023-09-06 DOI:10.32832/abdidos.v7i3.1926

Lisnawati ., Annio Indah Lestari, Wahyu Syarvina

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Abstract

This study aims to determine the effect of the amount of third-party funds and inflation on the allocation of financing for micro, small and medium enterprises at the Sharia Bank of North Sumatra, Medan Katamso branch. This study uses a quantitative method and uses secondary data on the monthly financial reports of Bank Sumut Syariah which were published for 2018-2022, and BPS data for 2018-2022. Data is processed through the SPSS 25 program with multiple linear regression methods, with consideration of R2, T-test, F-test, and classical assumption tests. The results of this study indicate that Third Party Funds (DPK) have a positive effect on the allocation of MSME financing at PT Bank SUMUT Syariah Medan Katamso of (0.872) with a very large value in the 2018-2022 period. Inflation has a positive and small effect on the allocation of MSME financing for PT Bank SUMUT Syariah Medan Katamso during the 2018-2022 period, amounting to (0.083). Simultaneously DPK (Third Party Funds), Inflation has a significant effect on the MSME financing allocation of PT Bank SUMUT Syariah Medan Katamso during the 2018-2022 period

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第三方资金总额和通货膨胀对银行sumut syariah medan katamso分行中小微企业融资分配的影响

本研究旨在确定第三方资金数额和通货膨胀对北苏门答腊伊斯兰银行棉兰卡塔姆索分行微型、小型和中型企业融资分配的影响。本研究采用定量方法，并使用了2018-2022年伊斯兰银行月度财务报告和2018-2022年BPS数据的二手数据。数据通过SPSS 25程序处理，采用多元线性回归方法，考虑R2、t检验、f检验和经典假设检验。本研究结果表明，第三方基金(DPK)在2018-2022年期间对PT Bank SUMUT Syariah Medan Katamso的中小微企业融资配置具有正影响(0.872)，且值非常大。在2018-2022年期间，通货膨胀对PT Bank SUMUT Syariah Medan Katamso的中小微企业融资分配有积极而小的影响，总计为(0.083)。同时，DPK(第三方基金)，通货膨胀对2018-2022年期间PT Bank SUMUT Syariah Medan Katamso的中小微企业融资分配产生了重大影响

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