The Effect of Bank’s Internal Factors Towards Micro Financing in Islamic Commercial Bank at Indonesia
The main driver of Indonesian economic wheel is the small and medium-sized enterprises (SME). This SME plays significant role as well in providing employment opportunity while in the same time adding numbers of business units that support the household income from the business. One of the obstacles...
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| Format: | UMS Journal (OJS) |
| Language: | eng |
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Muhammadiyah University Press
2018
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| Online Access: | https://journals.ums.ac.id/index.php/jisel/article/view/6327 |
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| author | Utami, Ulfa Rizki |
| author_facet | Utami, Ulfa Rizki |
| author_sort | Utami, Ulfa Rizki |
| collection | OJS |
| description | The main driver of Indonesian economic wheel is the small and medium-sized enterprises (SME). This SME plays significant role as well in providing employment opportunity while in the same time adding numbers of business units that support the household income from the business. One of the obstacles faced by SME is the capital and financing constraint, especially for the financing from the bank. Without financing, SME will lose its capability to grow and develop since the main support for SME is the capital and financing itself. This research aims to know the internal factors affecting the third party fund, inflation and the rate of return in the period of 2012-2014 in Islamic commercial banks at Indonesia. The research will carry out the OLS procedure since this technique allows us to know clearly the factors affecting financing in the SME. Our research shows that third party fund significantly affect SME financing with positive sign. Meanwhile, the rate of return is observed to affect negatively to the financing. Inflation also has significant and positive effect with bigger coefficient compared to others in financing for SME. |
| format | UMS Journal (OJS) |
| id | oai:ojs2.journals.ums.ac.id:article-6327 |
| institution | Universitas Muhammadiyah Surakarta |
| language | eng |
| publishDate | 2018 |
| publisher | Muhammadiyah University Press |
| record_format | ojs |
| spelling | oai:ojs2.journals.ums.ac.id:article-6327 The Effect of Bank’s Internal Factors Towards Micro Financing in Islamic Commercial Bank at Indonesia Utami, Ulfa Rizki SME, third party fund, inflation, rate of return, OLS. The main driver of Indonesian economic wheel is the small and medium-sized enterprises (SME). This SME plays significant role as well in providing employment opportunity while in the same time adding numbers of business units that support the household income from the business. One of the obstacles faced by SME is the capital and financing constraint, especially for the financing from the bank. Without financing, SME will lose its capability to grow and develop since the main support for SME is the capital and financing itself. This research aims to know the internal factors affecting the third party fund, inflation and the rate of return in the period of 2012-2014 in Islamic commercial banks at Indonesia. The research will carry out the OLS procedure since this technique allows us to know clearly the factors affecting financing in the SME. Our research shows that third party fund significantly affect SME financing with positive sign. Meanwhile, the rate of return is observed to affect negatively to the financing. Inflation also has significant and positive effect with bigger coefficient compared to others in financing for SME. Muhammadiyah University Press 2018-07-31 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://journals.ums.ac.id/index.php/jisel/article/view/6327 10.23917/jisel.v1i1.6327 Journal of Islamic Economic Laws; Vol 1, No 1: July 2018; 78-98 2655-9617 2655-9609 eng https://journals.ums.ac.id/index.php/jisel/article/view/6327/4005 Copyright (c) 2018 Journal of Islamic Economic Laws https://creativecommons.org/licenses/by/4.0 |
| spellingShingle | SME, third party fund, inflation, rate of return, OLS. Utami, Ulfa Rizki The Effect of Bank’s Internal Factors Towards Micro Financing in Islamic Commercial Bank at Indonesia |
| title | The Effect of Bank’s Internal Factors Towards Micro Financing in Islamic Commercial Bank at Indonesia |
| title_full | The Effect of Bank’s Internal Factors Towards Micro Financing in Islamic Commercial Bank at Indonesia |
| title_fullStr | The Effect of Bank’s Internal Factors Towards Micro Financing in Islamic Commercial Bank at Indonesia |
| title_full_unstemmed | The Effect of Bank’s Internal Factors Towards Micro Financing in Islamic Commercial Bank at Indonesia |
| title_short | The Effect of Bank’s Internal Factors Towards Micro Financing in Islamic Commercial Bank at Indonesia |
| title_sort | effect of bank s internal factors towards micro financing in islamic commercial bank at indonesia |
| topic | SME, third party fund, inflation, rate of return, OLS. |
| topic_facet | SME, third party fund, inflation, rate of return, OLS. |
| url | https://journals.ums.ac.id/index.php/jisel/article/view/6327 |
| work_keys_str_mv | AT utamiulfarizki theeffectofbanksinternalfactorstowardsmicrofinancinginislamiccommercialbankatindonesia AT utamiulfarizki effectofbanksinternalfactorstowardsmicrofinancinginislamiccommercialbankatindonesia |