Third Party Funds and Non-Performing Financing for Mudharabah Financing in Indonesia's Sharia Banking

Nur’aeni Nur’aeni, Setiawan Setiawan

Abstract


Mudharabah financing is the core of sharia banks and based on the profit sharing. In sharia principles, it is considered as a characteristic of sharia banks. This study aims to find out the influence of third party funds and non-performing financing on mudharabah financing in Indonesia's Sharia Banking. This research employed quantitative research methods using associative approach with the type of secondary data. The data analysis used Partial Least Square (PLS) with the Structural Equation Modeling (SEM) approach, while the application used was WarpPLS. The results revealed that TPF has a significant effect on Mudharabah Financing, while NPF has not. This is indicated by a coefficient value of 0.63 and ap-value of 0.000 for the effect of TPF on Mudharabah Financing. Meanwhile, the influence of NPF on Mudharabah Financing has a coefficient of 0.13 and a p-value of 0.16.


Keywords


third party funds; non-performing financing; mudharabah financing.

Full Text:

PDF

References


Ali, H, & Miftahurrohman, (2015), Analisis Pengaruh Dana Pihak Ketiga, Tingkat Bagi Hasil, Non Performing Financing Dan Profitabilitas Terhadap Volume Pembiayaan Berbasis Bagi Hasil Pada Perbankan Syariah Di Indonesia, J. Tauhidinomics, 1(2), 151–166.

Anwar, C., & Miqdad, M. (2017). Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Return On Asset (ROA) Terahadap Pembiayaan Mudharabah Pada Bank Umum Syariah Tahun 2008-2012. Owner (Riset dan Jurnal Akuntansi), 1(1), 1-12.

Dafe, F., & Williams, Z. (2020). Banking on courts: financialization and the rise of third-party funding in investment arbitration. Review of International Political Economy, 1-23.

De Jonghe, O. (2010). Back to the basics in banking? A micro-analysis of banking system stability. Journal of financial intermediation, 19(3), 387-417.

Firmansyah, M. (2016). Implementation of Contract Hybrid Concept in Multi Services Products (Aplication of the Warranty Bank Products/Kafalah in Syariah Banks). International Journal of Nusantara Islam, 4(2), 85-96.

Ghoniyah, N., & Hartono, S. (2020). How Islamic and conventional bank in Indonesia contributing sustainable development goals achievement. Cogent Economics & Finance, 8(1), 1856458.

Hijriyani, N. Z., & Setiawan, S. (2017). Analisis Profitabilitas Perbankan Syariah di Indonesia sebagai Dampak Dari Efisiensi Operasional. Jurnal Kajian Akuntansi, 1(2).

Husaeni, U. A. (2016). The Variables that Affect Murābaḥa Financing in Islamic Commercial Banks. International Journal of Nusantara Islam, 4(2), 1-16.

Kinanti, R. A., & Purwohandoko, P. (2017). Influence of third-party funds, Car, NPF and FDR towards the return On assets of Islamic banks in Indonesia. JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen, 14(2), 135-143.

Kock, N. (2017). WarpPLS user manual: Version 6.0. ScriptWarp Systems: Laredo, TX, USA.

Kustina, K. T., Dewi, G. A. A. O., Prena, G. D., & Suryasa, W. (2019). Branchless banking, third-party funds, and profitability evidence reference to banking sector in indonesia. Jour of Adv Research in Dynamical & Control Systems,(11), 2, 290-299.

Machmud, A., Herlinawati, E., & Supriyadi, D. (2018). The Determinants of Sharia Banking Finance Performance in Indonesia. Advanced Science Letters, 24(7), 4882-4885.

OJK, “Statistik Perbankan Syariah,” Jakarta: Otoritas Jasa Keuangan, 2019.

Pratiwi, F. N. (2018). Pengaruh FDR, DPK, ROA Terhadap Pembiayaan Di Bank Syariah (Studi Kasus Pada Bank Syariah Mandiri). Jurnal Education and Economics, 1(3), 037-048.

Reni, A., & Ahmad, N. H. (2016). Application of theory reasoned action in intention to use Islamic banking in Indonesia. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 8(1), 137-148.

Rofi’ah, K., & A’yun, A. A. (2019). Faktor-Faktor Non-Performing Financing (NPF) di Bank Umum Syariah Indonesia. Jurnal Ekonomi, 24(3), 452-467.

Sholikhah, Z., Pramuka, B. A., & Adawiyah, W. R. (2017). Determinant of the equity based financing volume: A case of Islamic banks in Indonesia. Research Journal of Finance and Accounting, 8(1), 30-39.

Suhartanto, D., Farhani, N. H., & Muflih, M. (2018). Loyalty Intention towards Islamic Bank: The Role of Religiosity, Image, and Trust. International Journal of Economics & Management, 12(1), 137-151.

Suhartanto, D., Gan, C., Sarah, I. S., & Setiawan, S. (2019). Loyalty towards Islamic banking: service quality, emotional or religious driven?. Journal of Islamic Marketing, 11(1), 66-80.

Utomo, A. S., Maharani, N. K., & Octavio, D. Q. (2016). Financial Determinants of Qardhul Hasan Financing Growth: Evidence from Islamic Banks in Indonesia. Global Review of Islamic Economics and Business, 3(1), 038-045.

Yulianto, A., &Solikhah, B. (2016). The internal factors of Indonesian Sharia banking to predict the mudharabah deposits. Review of Integrative Business and Economics Research, 5(1), 210-224.




DOI: https://doi.org/10.46336/ijbesd.v1i4.96

Refbacks

  • There are currently no refbacks.


Add comment

Copyright (c) 2020 International Journal of Business, Economics, and Social Development

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Published By: 

IJBESD: Jalan Riung Ampuh No. 3, Riung Bandung, Kota Bandung 40295, Jawa Barat, Indonesia


IJBESD Indexed By:

width=width=width= width= width= width= 

 

Creative Commons License This work is licensed under a Creative Commons Attribution 4.0 International License.