Saudi Journal of Economics and Finance (SJEF)
Volume-2 | Issue-06 | 386-393
Original Research Article
Analysis of Islamic Bank Financing in Indonesia
Gustriani, Azwardi, Suhel
Published : Dec. 30, 2018
Abstract
This study is aimed at analyzing the factors that influence the Islamic banks
financing in Indonesia. Inflation, exchange rates, exports, consumer confidence index and
third party funds are used as dependent variables while Islamic bank financing is a
dependent variable. Financing is limited to working capital and investment financing for
the period of January 2015 to December 2017 distributed by 13 Islamic commercial banks
and 21 Islamic business units operating in Indonesia. The analysis method used is
multiple linear regressions. The simultaneous testing shows that inflation, exchange rates,
exports, consumer confidence index and third party funds have a significant effect on
Islamic bank financing. The partial testing shows that only exchange rates and third party
funds have a positive and significant effect on financing. Variation of all dependent
variables can affect the dependent variable by ninety-eight percent.