FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN SEKTOR UMKM PADA PERBANKAN SYARIAH DI INDONESIA: PENDEKATAN AUTOREGRESSIVE DISTRIBUTED LAG (ARDL)

Reza Dwi Anggreyni, Atina Shofawati

= http://dx.doi.org/10.20473/vol7iss20207pp1350-1361

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Abstract


This study aims to determine the effect of inflation, BI Rate, exchange rate, Industrial Production Index (IPI), Third Party Funds (DPK), on MSME sector financing in Islamic banking in Indonesia, both short term and long term periods from January 2014 until December 2018. This research uses a quantitative approach with Autoregressive Distributed Lag (ARDL) analysis technique. The result showed that inflation had a significant negative effect on the short and long term on MSME sector financing, while BI Rate and DPK had a significant positive effect on MSME financing in the short and long term. The exchange rate has a significant negative effect on MSME financing in the short and long term, while IPI has no significant effect on MSME financing in the short and long term in Islamic banking in Indonesia

Keywords: Financing, MSME, Islamic Banks, ARDL




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