Non Performing Financing (NPF) And Bank Indonesia Sharia Certificate (SBIS) Towards Sharia Financing In The Sector Of Micro, Small, And Medium Enterprise (MSME) In Indonesia 2012-2016 Period

Mochamad Iqbal Wahyudin, Suryana Suryana, Neni Sri Wulandari

2017

Abstract

MSME is one of the pillars of the rise of the Indonesian state following the monetary crisis in 1998, and the main obstacle in the movement of MSME is insufficient capital. The solution of the lack of capital is to receive funding in the form of financing from Bank Syariah, but in 2014, sharia financing in the MSME sector declined. One measure of the health of a Sharia Bank is to see how much NPF is happening. As a country that has a monetary dualism, Bank Indonesia also publishes Bank Indonesia Sharia Certificate (SBIS) as one of the instruments of controlling monetary conditions in the community. This study aims to analyze the effect of Non Performing Financing (NPF) and Bank Indonesia Sharia Certificates (SBIS) to Sharia financing in the sector of MSMEs. The data used in this study comes from the Statistics of Islamic Banking issued every month by the Financial Services Authority (OJK) from January 2012 to December 2016. Data analysis using the method of Multiple Linear Regression. The results of the analysis show that NPF and SBIS have a significant influence on MSME financing

Paper Citation

in Harvard Style

Wahyudin M., Suryana S. and Wulandari N. (2017). Non Performing Financing (NPF) And Bank Indonesia Sharia Certificate (SBIS) Towards Sharia Financing In The Sector Of Micro, Small, And Medium Enterprise (MSME) In Indonesia 2012-2016 Period.In 1st International Conference on Islamic Economics, Business, and Philanthropy - Volume 1: ICIEBP, ISBN 978-989-758-315-5, pages 777-781. DOI: 10.5220/0007089707770781

in Bibtex Style

@conference{iciebp17,
author={Mochamad Iqbal Wahyudin and Suryana Suryana and Neni Sri Wulandari},
title={Non Performing Financing (NPF) And Bank Indonesia Sharia Certificate (SBIS) Towards Sharia Financing In The Sector Of Micro, Small, And Medium Enterprise (MSME) In Indonesia 2012-2016 Period},
booktitle={1st International Conference on Islamic Economics, Business, and Philanthropy - Volume 1: ICIEBP,},
year={2017},
pages={777-781},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0007089707770781},
isbn={978-989-758-315-5},
}

in EndNote Style

TY - CONF

JO - 1st International Conference on Islamic Economics, Business, and Philanthropy - Volume 1: ICIEBP,
TI - Non Performing Financing (NPF) And Bank Indonesia Sharia Certificate (SBIS) Towards Sharia Financing In The Sector Of Micro, Small, And Medium Enterprise (MSME) In Indonesia 2012-2016 Period
SN - 978-989-758-315-5
AU - Wahyudin M.
AU - Suryana S.
AU - Wulandari N.
PY - 2017
SP - 777
EP - 781
DO - 10.5220/0007089707770781