DETERMINANTS OF SHARIAH BANKS LENDING: EVIDENCE FROM ISLAMIC BUSINESS UNIT BANKS
DOI:
https://doi.org/10.25299/jtb.2020.vol3(2).5716Keywords:
Pinjaman Murabahah, Unit Usaha Syariah, Sertifikat Bank Indonesia SyariahAbstract
Tujuan penelitian ini adalah untuk menganalisis pengaruh inflasi, Sertifikat Bank Indonesia Syariah (SBIS), Dana Deposito (Deposit Fund/DF), dan Kredit Bermasalah (Non Performing Financing/NPF) terhadap Pinjaman Murabahah. Populasi dan sampel ini terdiri atas 22 unit usaha syariah, hanya 10 bank yang dipilih untuk dijadikan sebagai sampel. Periode penelitian ini yaitu dari tahun 2011 sampai tahun 2015. Penelitian ini menggunakan data panel dan metode kuadrat terkecil (Ordinary Least Squares/OLS). Hasil penelitian menunjukkan bahwa Sertifikat Bank Indonesia Syariah memiliki pengaruh negatif terhadap Pinjaman Murabahah. Hal ini mengungkapkan bahwa bank memiliki penyebaran suku bunga yang juga menunjukkan pengaruhnya terhadap perilaku melakukan pinjaman. Hal tersebut merupakan salah satu instrumen untuk menyimpan dana di Bank Indonesia yang digunakan untuk menyerap likuiditas berlebih pada bank Islam dalam konteks operasi pasar terbuka untuk mengendalikan jumlah peredaran uang. Dana deposito memiliki pengaruh positif terhadap Pinjaman Murabahah. Hal ini mengungkapkan bahwa deposito yang diterima oleh bank adalah bentuk permintaan yang dapat dibayarkan kembali ke penyetor/deposan sesuai permintaan. Oleh sebab itu, bank dapat mempertahankan jumlah deposito nasabah yang besar sebagai persediaan untuk memenuhi permintaan nasabah daripada memberikan pinjaman. Kredit bermasalah (NPF) memiliki pengaruh negatif terhadap Pinjaman Murabahah. Hasil ini menggambarkan bahwa kredit bermasalah (Non performing finance) yang lebih tinggi diikuti dengan penurunan pada penyebaran dana yang dibuat oleh Bank untuk mengurangi resiko kredit macet.
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References
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Abdul karim. Z., Saini. A.W., & Karim. A. B. 2011. Bank Lending Channels of Monetary Policy. Journal of Asian Pacific Business, 12(3), 225-243.
Adedoyin & Sobodun. 1996. Commercial Banks Lending Activities in Nigeria. Nigerian Financial Review, 9(3), 36 – 37.
Ahmad, A. 1987. Development and Problems of Islamic Banks. Islamic Research and Training Institute. Islamic Development Bank. Jeddah.
Andrew F. 2004. Credit Risk Management Essential Capital Markets. Elsevier Butterworth heinemann press.
Ansari, A. & Rehman, A. 2011. Financial Performance of Islamic and Conventional Banks In Pakistan: A Comparative Study. 8th International Conference on Islamic Economics and Finance - Doha.1 (1), 1-19.
Babatunde, O.A. & Olaitan, O. A. 2013. The Performance of Conventional and Islamic Banks in The United Kingdom: A Comparative Analysis. Journal of Research in Economics and International Finance, 2(2), 29-38.
Beck, T., Demirgüç-Kunt, A. and Merrouche, O. 2010. Islamic vs. Conventional Banking: Business Model, Efficiency and Stability, Working Paper 5446 (WPS5446). The World Bank Development Research Group Finance and Private Sector Development Team.
Bessis, J. 2002. Risk Management in Banking (2nd ed.). John Wiley, Sons Ltd. London.
Boot, A. W. A. & Thakor, A. V. 2000. Can Relationship Banking Survive Competition?. The Journal of Finance, 55(2).
Chernykh. L, & Theodossiou. A. 2011. Determinants of Bank Long Term Lending Behavior: Evidence from Russia. Multinational Finance Journal, 15(1), 193-216.
Chodechai, S. 2004. Determinants of Bank Lending. An Empirical Examination for the years 1992 – 1996. Thailand.
Cooper, M., Jackson W., & Patterson 2003. Evidence of Predictability in The Cross-Section of Bank Stock Returns. Journal of Banking and Finance, 27(1), 817-850.
Djogap. F., & Ngomsi, A. 2012. Determinants of Bank Long Term Lending Behavior in The Central African Economic and Monetary Community (CEMAC). Review of Economic and Finance, 107-114.
Iqbal, M. 2001. Islamic and Conventional Banking in The Nineties: A Comparative Study. Islamic Economic Studies, 8(2), 1-28.
Iqbal, Z. & Mirakhor, A. 1999. Progress and Challenges of Islamic banking. Thunderbird International Business Review, 41(4-5), 56-68.
Irina. B. 2003. Bank Liquidity and Exchange Rate Regimes: New European Perspectives. 3rd international Scientific Conference. Bulgaria.
Jaffar, M. & Manarvi, I. 2011. Performance Comparison Of Islamic and Conventional Banks in Pakistan. Global Journal of Management and Business Research, 11(1),59-66.
Kader, J.M., Asarpota, A.J., & Al-Maghaireh, A. 2007. Comparative Financial Performance of Islamic Banks vis-à-vis Conventional Banks in the UAE. Proceeding on Annual Student Research Symposium and the Chancellor’s Undergraduate Research Award. retrievedhttp://sra. uaeu.ac.ae/CURA /Proceedings (May 31, 2007).
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Khangalah. M.O. 2016. Determinants of Commercial Banks Lending Behavior in Kenya: case of state owned banks in Kenya. Research Project Presented in Partial Fulfillment of the Requirement for Award of Masters Degree in Business Administration to School of Business, University of Nairobi.
Khodijah H. M. 2009. Pengaruh Simpanan Dana Pihak Ketiga, Modal Sendiri, Marjin Keuntungan dan NPF terhadap Pembiayaan murabahah pada Bank Syariah Mandiri. Skripsi, UIN Sunan Kalijaga Yogyakarta.
Mannan, M. A. 1968. Islam and Trend in Modern Banking: Theory and Practice of Interest Free Banking. Islamic Review and Arab Affairs, 73-95.
McCarthy , M., Schneider D., & Tibb S. 2010. Investments and Loans U.S Banks. Journal of Bank accounting and Finance,19-24.
Merchant, I. P. 2012. Empirical Study of Islamic Banks Versus Conventional Banks of GCC. Global Journal of Management and Business Research, 12(20), 33-41.
Miller, S., & Noulas. 1997. Portfolio Mix and Large-Bank Profitability. USA.
Nurapriyani, D. 2009 Faktor-Faktor Yang Mempengaruhi Pembiayaan Murabahah Di Bank Syariah Mandiri Periode Tahun 2004 – 2007. Universitas Islam Negeri Sunan Kalijaga Yoyakarta.
Nurjaya, E, 2013. Analisis Pengaruh Inflasi, Sertifikat Bank Indonesia Syariah (SBIS), Non Performing Financing (NPF) Dan Dana Pihak Ketiga (DPK) Terhadap Pembiayaan Murabahah pada Bank Syariah di Indonesia. Universitas Islam Negeri Syarif Hidayatullah Jakarta.
Nwankwo, G.O. 2000. Organizing for Financial Risk Management. The Credit Administrator, 2 (2), 32-39.
Peek, J., & Rosengren E., 1995. The Capital Crunch: Neither a Borrower nor a Lender be. Journal of Money, Credit, and Banking, 27, (3), 625-638.
Rosly, S.A., & Bakar, M.A.A. 2003. Performance of Islamic and Mainstream Banks in Malaysia. International Journal of Social Economics, 30 (12), 1249-1265.
Saeed, M . 1996. Islamic Banking and Interest. E.J. Brill, The Netherlands.
Samad, A. 1999. Comparative Efficiency of the Islamic Bank Malaysia vis-à-vis Conventional Banks. IIUM Journal of Economics and Management, 7 (1), 1-25.
Samad, A. 2004. Performance of Interest Free Islamic Banks vis-à-vis Interest-Based Conventional Banks of Bahrain. IIUM Journal of Economics and Management, 12 (2), 1-25.
Samad, A., & Hassan, M. K. 2000. The performance of Malaysian Islamic Bank during 1984 -1997: An Explanatory Study. Thoughts on Economics, 10 (1&2), 7-26.
Sebastian, O., & Uremadu. 2009. Banking System Credits to the Domestic Economy and National Development. Annals of University of Bucharest, Economic and Administrative Series, 3, 149-16
Tomak. S. 2013. Determinants of Commercial Bank Lending Behavior: Evidence from Turkey. Asian journal of Empirical Research.
Wahidudin, A.Z., Subramanian, U., & Kamaluddin, P. 2012. Determinants of Profitability- A Comparative Analysis of Islamic Banks and Conventional Banks in ASEAN Countries. 2nd International Conference on Accounting, Business and Economic, MS Garden Hotel, Kuantan Pahang; Malaysia.
Widagdo, A. & Ika, S.R. 2007. The Interest Prohibition and Financial Performance of Islamic Banks: Indonesia Evidence. Paper presented in 19th Asian-pacific Conference on International Accounting Issues. Malaysia, Kuala Lumpur.
Zeitun, R. 2012. Determinants of Islamic and Conventional banks Performance in GCC Countries Using Panel Data Analysis. Global Economy and Finance Journal, 5(1), 53-72.
Abdul karim. Z., Saini. A.W., & Karim. A. B. 2011. Bank Lending Channels of Monetary Policy. Journal of Asian Pacific Business, 12(3), 225-243.
Adedoyin & Sobodun. 1996. Commercial Banks Lending Activities in Nigeria. Nigerian Financial Review, 9(3), 36 – 37.
Ahmad, A. 1987. Development and Problems of Islamic Banks. Islamic Research and Training Institute. Islamic Development Bank. Jeddah.
Andrew F. 2004. Credit Risk Management Essential Capital Markets. Elsevier Butterworth heinemann press.
Ansari, A. & Rehman, A. 2011. Financial Performance of Islamic and Conventional Banks In Pakistan: A Comparative Study. 8th International Conference on Islamic Economics and Finance - Doha.1 (1), 1-19.
Babatunde, O.A. & Olaitan, O. A. 2013. The Performance of Conventional and Islamic Banks in The United Kingdom: A Comparative Analysis. Journal of Research in Economics and International Finance, 2(2), 29-38.
Beck, T., Demirgüç-Kunt, A. and Merrouche, O. 2010. Islamic vs. Conventional Banking: Business Model, Efficiency and Stability, Working Paper 5446 (WPS5446). The World Bank Development Research Group Finance and Private Sector Development Team.
Bessis, J. 2002. Risk Management in Banking (2nd ed.). John Wiley, Sons Ltd. London.
Boot, A. W. A. & Thakor, A. V. 2000. Can Relationship Banking Survive Competition?. The Journal of Finance, 55(2).
Chernykh. L, & Theodossiou. A. 2011. Determinants of Bank Long Term Lending Behavior: Evidence from Russia. Multinational Finance Journal, 15(1), 193-216.
Chodechai, S. 2004. Determinants of Bank Lending. An Empirical Examination for the years 1992 – 1996. Thailand.
Cooper, M., Jackson W., & Patterson 2003. Evidence of Predictability in The Cross-Section of Bank Stock Returns. Journal of Banking and Finance, 27(1), 817-850.
Djogap. F., & Ngomsi, A. 2012. Determinants of Bank Long Term Lending Behavior in The Central African Economic and Monetary Community (CEMAC). Review of Economic and Finance, 107-114.
Iqbal, M. 2001. Islamic and Conventional Banking in The Nineties: A Comparative Study. Islamic Economic Studies, 8(2), 1-28.
Iqbal, Z. & Mirakhor, A. 1999. Progress and Challenges of Islamic banking. Thunderbird International Business Review, 41(4-5), 56-68.
Irina. B. 2003. Bank Liquidity and Exchange Rate Regimes: New European Perspectives. 3rd international Scientific Conference. Bulgaria.
Jaffar, M. & Manarvi, I. 2011. Performance Comparison Of Islamic and Conventional Banks in Pakistan. Global Journal of Management and Business Research, 11(1),59-66.
Kader, J.M., Asarpota, A.J., & Al-Maghaireh, A. 2007. Comparative Financial Performance of Islamic Banks vis-à-vis Conventional Banks in the UAE. Proceeding on Annual Student Research Symposium and the Chancellor’s Undergraduate Research Award. retrievedhttp://sra. uaeu.ac.ae/CURA /Proceedings (May 31, 2007).
Kashyap, A., Rajan R., & Stein J. 2000. Banks as Liquidity Providers: An Explanation for The Coexistence of Lending and Deposit Taking. Quarterly Journal of Economics, 113, 733-771.
Khangalah. M.O. 2016. Determinants of Commercial Banks Lending Behavior in Kenya: case of state owned banks in Kenya. Research Project Presented in Partial Fulfillment of the Requirement for Award of Masters Degree in Business Administration to School of Business, University of Nairobi.
Khodijah H. M. 2009. Pengaruh Simpanan Dana Pihak Ketiga, Modal Sendiri, Marjin Keuntungan dan NPF terhadap Pembiayaan murabahah pada Bank Syariah Mandiri. Skripsi, UIN Sunan Kalijaga Yogyakarta.
Mannan, M. A. 1968. Islam and Trend in Modern Banking: Theory and Practice of Interest Free Banking. Islamic Review and Arab Affairs, 73-95.
McCarthy , M., Schneider D., & Tibb S. 2010. Investments and Loans U.S Banks. Journal of Bank accounting and Finance,19-24.
Merchant, I. P. 2012. Empirical Study of Islamic Banks Versus Conventional Banks of GCC. Global Journal of Management and Business Research, 12(20), 33-41.
Miller, S., & Noulas. 1997. Portfolio Mix and Large-Bank Profitability. USA.
Nurapriyani, D. 2009 Faktor-Faktor Yang Mempengaruhi Pembiayaan Murabahah Di Bank Syariah Mandiri Periode Tahun 2004 – 2007. Universitas Islam Negeri Sunan Kalijaga Yoyakarta.
Nurjaya, E, 2013. Analisis Pengaruh Inflasi, Sertifikat Bank Indonesia Syariah (SBIS), Non Performing Financing (NPF) Dan Dana Pihak Ketiga (DPK) Terhadap Pembiayaan Murabahah pada Bank Syariah di Indonesia. Universitas Islam Negeri Syarif Hidayatullah Jakarta.
Nwankwo, G.O. 2000. Organizing for Financial Risk Management. The Credit Administrator, 2 (2), 32-39.
Peek, J., & Rosengren E., 1995. The Capital Crunch: Neither a Borrower nor a Lender be. Journal of Money, Credit, and Banking, 27, (3), 625-638.
Rosly, S.A., & Bakar, M.A.A. 2003. Performance of Islamic and Mainstream Banks in Malaysia. International Journal of Social Economics, 30 (12), 1249-1265.
Saeed, M . 1996. Islamic Banking and Interest. E.J. Brill, The Netherlands.
Samad, A. 1999. Comparative Efficiency of the Islamic Bank Malaysia vis-à-vis Conventional Banks. IIUM Journal of Economics and Management, 7 (1), 1-25.
Samad, A. 2004. Performance of Interest Free Islamic Banks vis-à-vis Interest-Based Conventional Banks of Bahrain. IIUM Journal of Economics and Management, 12 (2), 1-25.
Samad, A., & Hassan, M. K. 2000. The performance of Malaysian Islamic Bank during 1984 -1997: An Explanatory Study. Thoughts on Economics, 10 (1&2), 7-26.
Sebastian, O., & Uremadu. 2009. Banking System Credits to the Domestic Economy and National Development. Annals of University of Bucharest, Economic and Administrative Series, 3, 149-16
Tomak. S. 2013. Determinants of Commercial Bank Lending Behavior: Evidence from Turkey. Asian journal of Empirical Research.
Wahidudin, A.Z., Subramanian, U., & Kamaluddin, P. 2012. Determinants of Profitability- A Comparative Analysis of Islamic Banks and Conventional Banks in ASEAN Countries. 2nd International Conference on Accounting, Business and Economic, MS Garden Hotel, Kuantan Pahang; Malaysia.
Widagdo, A. & Ika, S.R. 2007. The Interest Prohibition and Financial Performance of Islamic Banks: Indonesia Evidence. Paper presented in 19th Asian-pacific Conference on International Accounting Issues. Malaysia, Kuala Lumpur.
Zeitun, R. 2012. Determinants of Islamic and Conventional banks Performance in GCC Countries Using Panel Data Analysis. Global Economy and Finance Journal, 5(1), 53-72.
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Published
2020-11-01
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Asosiasi Program Studi Keuangan dan Perbankan Syariah
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