Shalihul Aziz Widya Iriawan, Milkhatin Nikmah
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引用次数: 0

摘要

本研究旨在分析伊斯兰教银行印尼证书和第三方基金是否在2010 - 2018年期间对伊斯兰教银行融资产生重大影响。本研究是一项定量研究,样本为2010 - 2018年期间伊斯兰银行季度财务报表。所使用的数据类型是来自印度尼西亚银行伊斯兰银行统计的二手数据。分析方法为多元线性回归,经典假设检验,假设检验(F检验和t检验),分析工具为SPSS V20。结果表明,印尼银行伊斯兰教证书对伊斯兰教银行融资没有显著影响,而第三方基金对伊斯兰教银行融资有显著影响。同时,SBIS和DPK在2010年至2018年期间对伊斯兰银行融资产生了重大影响。根据这些发现,建议伊斯兰银行在进行融资时要谨慎,以尽量减少不良融资的风险水平,此外,伊斯兰银行必须保持流动性和资金稳定性,如果任何时候资金被客户作为第三方,银行仍然能够保持印尼的流动性排放。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
ANALISIS PEMBIAYAAN PERBANKAN SYARIAH DI INDONESIA PERIODE 2010 – 2018
This study aims to analyze whether Sharia Bank Indonesia Certificates and third party funds have a significant effect on Sharia banking financing for the period 2010 - 2018. This research is a quantitative study, with samples of Sharia Banking Quarterly Financial Statements for the period 2010 - 2018. The type of data used is secondary data from Bank Indonesia sharia banking statistics. The analytical method used is multiple linear regression, the classic assumption test, and the hypothesis test (F test and t test), the analytical tool used is SPSS V20. The results showed that Bank Indonesia Sharia Certificates had no significant effect on Sharia Banking Financing, while Third Party Funds had a significant effect on Sharia Banking Financing. Simultaneously SBIS and DPK have a significant effect on Sharia Banking Financing for the period 2010 - 2018. With these findings, Sharia Banking is advised to be cautious in conducting financing so that the level of risk of non-performing financing can be minimized, besides that Islamic Banking must maintain liquidity and fund stability if At any time funds are taken by customers as third parties, banks are still able to maintain liquidity emissions in Indonesia.
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