ANALISIS FAKTOR YANG MEMPENGARUHI PENYALURAN PEMBIAYAAN UMKM (Studi Pada Bank Umum Syariah Di Indonesia Periode 2015-2019)

Muammar, Khaddafi and Chalirafi, Chalirafi and Muchsin, Muchsin (2022) ANALISIS FAKTOR YANG MEMPENGARUHI PENYALURAN PEMBIAYAAN UMKM (Studi Pada Bank Umum Syariah Di Indonesia Periode 2015-2019). Jurnal Ekonomi Manajemen dan Bisnis, 23 (1). pp. 40-48. ISSN 2598-9405

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Abstract

This study aims to determine the Analysis of Factors Affecting MSME Financing Distribution (Study on Islamic Commercial Banks in Indonesia for the 2016-2019 Period). The data used in this study is secondary data as many as 14 banks. The sampling technique used is purposive sampling technique. The method used to analyze the relationship between the independent variable and the dependent variable is the multiple linear regression method. The results showed that partially non-performing financing had a negative and significant effect on MSME financing at Islamic commercial banks in Indonesia. Capital Adequacy ratio had a positive and significant effect on MSME financing at Islamic commercial banks in Indonesia. Return on assets had a positive and significant effect on MSME financing. at Islamic Commercial Banks in Indonesia. Third Party Funds have a positive and significant effect on MSME Financing at Islamic Commercial Banks in Indonesia. Profit Sharing Spreads have a negative and significant impact on MSME Financing at Islamic Commercial Banks in Indonesia. Keywords : Non-performing financing, Capital Adequacy ratio, Return on assets, Third Party Funds, Profit Sharing Spread, MSME Financing

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