Research Article
Determinant of Macro and Micro in Small Medium Enterprise Financing Through Islamic Banks
@INPROCEEDINGS{10.4108/eai.17-7-2020.2302992, author={Roikhan Mochamad Aziz and Tri Tri}, title={Determinant of Macro and Micro in Small Medium Enterprise Financing Through Islamic Banks}, proceedings={Proceedings of the 1st International Conference on Economics Engineering and Social Science, InCEESS 2020, 17-18 July, Bekasi, Indonesia}, publisher={EAI}, proceedings_a={INCEESS}, year={2021}, month={1}, keywords={inflation sbis npf dpk small medium enterprises financing}, doi={10.4108/eai.17-7-2020.2302992} }- Roikhan Mochamad Aziz
Tri Tri
Year: 2021
Determinant of Macro and Micro in Small Medium Enterprise Financing Through Islamic Banks
INCEESS
EAI
DOI: 10.4108/eai.17-7-2020.2302992
Abstract
The purpose of this research is to analyze the influence of Inflation, Indonesia Bank Certificate Syariah (SBIS), Non-Performing Financing (NPF), and Third-Party Fund (DPK) to Small and Medium Enterprises Financing in the sharia bank in Indonesia. The data used was Time Series data periods of January:2007 – July:2013 from Statistic Banking of Indonesia. For analyzing Multiple Linear Regression. The results of this research indicate that the variable Inflation, Indonesia Bank Certificate Syariah (SBIS), Non-Performing Financing (NPF), and Third-Party Fund (DPK), in a partial influence with Small and Medium Enterprises Financing. This is showed by the value of Adjusted R Square of 99,6% while the remaining 0,4% influence by other factors. In this research note that Inflation, Non-Performing Financing (NPF), and Third-Party Fund (DPK) have a significant and positive effect on the Small and Medium Enterprises Financing. Meanwhile, Indonesia Bank Certificate Syariah (SBIS) has a significantly negative effect on Small and Medium Enterprises Financing.