Financing Relations Of MSME And Non-MSMEs, Number Of Syariah Bank Offices To Gross Regional Domestic Product

Darma Taujiharrahman*  -  UIN Walisongo Semarang, Indonesia
Rahman El-Junusi  -  UIN Walisongo Semarang, Indonesia
Zuhdan Ady Fataron  -  UIN Walisongo Semarang, Indonesia

(*) Corresponding Author

Abstract

Purpose - This study aims to analyse the relations of financing of MSME, non-MSMEs and the number of offices on Gross Regional Domestic Product of Central Java Province during 2014-2019.

Method - This research is using The comparative causal research method which one of the ex post-facto quantitative research methods carried out by looking at the causal relationship between one change and another based on existing data.

Result - The result of this research indicates that the financing of MSME and non-MSMEs had positive and significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019 and the number of offices had negative non-significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019.

Implication - This study uses the data from Islamic bank in Central of Java and the Gross Regional Domestic Product of Central Java.

Originality- The paper looks into the relations of the financial inclusion that provided by Islamic banks to the public in order to support the creation of economic growth in Central Java. The number of offices discribed the access to Islamic banks and the financing of MSME and non-MSMEs discribed the usage of Islamic banks in Central Java.

 

Keywords : Number of Offices; financing of MSMEs; financing of Non MSMEs Gross Regional Domestic Product.

  1. Abdurrahman, N. dan D. (2013). Kajian Pembiayaan Murabahah Terhadap Pendapatan Operasional Bank Syariah: Studi Kasus Bank BNI Syariah. JPAK: Jurnal Pendidikan Akuntansi Dan Keuangan, 1(1).
  2. Anwar, A. K. (2017). Pengaruh Inklusi Keuangan terhadap PDB Indonesia. Jurnal Ilmiah Mahasiswa Ekonomi Pembangunan, Fakultas Ekonomi Dan Bisnis, Unsyiah, 2(3), 454–462. Retrieved from http://www.jim.unsyiah.ac.id/EKP/article/view/5719
  3. Badan Pusat Statistik Jawa Tengah. (2019). Produk Domestik Regional Bruto Provinsi Jawa Tengah Menurut Lapangan Usaha 2014-2018. Retrieved from https://jateng.bps.go.id/publication/2019/07/05/bdea44fd01ce6dcde19fec6c/produk-domestik-regional-bruto-provinsi-jawa-tengah-menurut-lapangan-usaha-2014-2018.html
  4. Cahya Rosyadah, P., Rachmat Arifin, N., Muhtadi, R., & Safik, M. (2020). Factors That Affect Savings In Islamic Banking. AL-ARBAH: Journal of Islamic Finance and Banking, 2(1), 33–46. https://doi.org/10.21580/al-arbah.v2i1.5499
  5. Dinkop-UMKM Provinsi Jawa Tengah. (2018). Data Koperasi & UMKM Triwulan I 2018. Retrieved from dinkop-umkm.jatengprov.go.id website: https://dinkop-umkm.jatengprov.go.id/content/index/2/73/6/data-koperasi-umkm
  6. Faiza, N. A. R. (2016). Pengaruh Alokasi Pembiayaan Sektor – Sektor Ekonomi Oleh Perbankan Syariah Terhadap Produk Domestik Regional Bruto (PDRB) Provinsi Jawa Timut (Periode Triwulan Tahun 2010-2015). El-Qist, 6(2). https://doi.org/10.15642/elqist.2016.6.2.1246-1265
  7. Hidayah, N. (2017). Pengaruh Pembiayaan Murabahah, Musyarakah dan Mudharabah Terhadap Tingkat Profitabilitas Bank Umum Syariah Tahun 2012-2016. Jurnal Ilmiah, Universitas Muhammadiyah Surakarta.
  8. Huda, Fitri Fajri, N. (2019). The Analysis Of Musyarakah Contract SharingSystem Implementationin BPRS Saka Dana Mulia Kudus. AL-ARBAH: Journal of Islamic Finance and Banking, 1(1). https://doi.org/10.21580/al-arbah.v1i1.4159
  9. Ibrahim, Z. (2015). Kontribusi Perbankan Syariah Terhadap Perekonomian Banten. ISLAMICONOMIC: Jurnal Ekonomi Islam, 6(1). https://doi.org/10.32678/ijei.v6i1.32
  10. Indonesia, B. (2015). Statistik bank Indonesia: Metadata Sekda Desember 2015, Produk Domestik Regional Bruto (PDRB). Retrieved from bi.go.id website: https://www.bi.go.id/id/statistik/metadata/sekda/Contents/Default.aspx
  11. Kurnia Aufa, Cita Sary Dja’kum, E. (2019). Risks Of Sharia Commercial Bank In Indonesia: Analysis Of Internal And External Factors. AL-ARBAH: Journal of Islamic Finance and Banking, 1(1).
  12. Mashilal. (2020). Risk Of Sharia Banking In Indonesia: Viewed From Types Of Financing. ARBAH: Journal of Islamic Finance and Banking, 2(1), 61–80. https://doi.org/10.21580/al-arbah.v2i1.5669
  13. Otoritas Jasa Keuangan. (2019). SP 58/DHMS/OJK/XI/2019 SIARAN PERS SURVEI OJK 2019: INDEKS LITERASI DAN INKLUSI KEUANGAN MENINGKAT. Retrieved from https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-Survei-OJK-2019-Indeks-Literasi-Dan-Inklusi-Keuangan-Meningkat.aspx
  14. Purwanto, P., & Rifai, F. Y. A. (2017). Kontribusi Pembiayaan yang Diberikan oleh Perbankan Syariah Terhadap Produk Domestik Regional Bruto di Pulau Jawa Dan Sumatera Tahun 2012-2016. IQTISHADIA: Jurnal Ekonomi & Perbankan Syariah, 4(2), 214. https://doi.org/10.19105/iqtishadia.v4i2.1498
  15. Rahadian, L. (2020). 2020, Bank Syariah Memilih Pembiayaan Sektor Ritel. Retrieved from Bisnis.com website: https://finansial.bisnis.com/read/20200106/90/1187298/2020-bank-syariah-memilih-pembiayaan-sektor-ritel
  16. Sarah, S. R. S., & Sumiyarti. (2016). Pengaruh Penyaluran Dana Bank Konvensional dan Bank Syariah Terhadap Produk Domestik Bruto di Indonesia. Media Ekonomi, 24(2), 127. https://doi.org/10.25105/me.v24i2.3799
  17. Soemitra, A. (2015). Bank Syariah & Lembaga Keuangan Syariah. Jakarta: Kencana.
  18. Suhirman. (2020). The Future Of Sharia Based Village Business Agencies Religious Response Management Of Village-Owned Enterprises In Central Lombok. AL-ARBAH: Journal of Islamic Finance and Banking, 2(1), 81–102. https://doi.org/10.21580/al-arbah.v2i1.5677
  19. Susilo, Ratnawati Nirdukita, J. (2015). Analisis Pengaruh Pembiayaan Bank Syariah dan Tenaga Kerja Terhadap Peningkatan Produk Domestik Bruto (PDB): Analisis Sektoral Tahun 2006-2013. Seminar Nasional Cendekiawan.
  20. Wahid, N. (2014). Keuangan Inklusif Membongkar Hegemoni Keuangan. Jakarta: PT. Gramedia.
  21. Yusuf, M. (2017). Metode Penelitian Kuantitatif, Kualitatif, & Penelitian Gabungan. Jakarta: Prenada Media

Al-Arbah: Journal of Islamic Finance and Banking
Published by Department of Sharia Banking, Faculty of Islamic Economics and Business, UIN Walisongo Semarang, Indonesia
Jl Prof. Dr. Hamka Kampus III Ngaliyan Semarang 50185
Phone: +62 852-3660-5533
Website: https://febi.walisongo.ac.id/
Email: alarbah@walisongo.ac.id

ISSN: 2716-3946 (Print)
ISSN: 2716-2575 (Online)

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License

 
apps