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Abstract
Abstract: Implication of Sharia Financing and Funding for the Acceleration of Indonesian Economy in the Beginning of Pandemics
Purpose: To investigate the role of funding and financing of sharia banking in stimulating Indonesian economic growth.
Method: A quantitative method and analyzed with panel data regression
Results: Funding and financing of sharia banking have actual implication for Indonesia's economic growth as measured by GDP.
Novelty: Linking the Covid pandemic situation in the analysis of research topics
Contribution: This research emphasizes the positive implications of Funding and Financing of sharia banking for Indonesia’s economic development, therefore all efforts including outreach to the public to use sharia banks as a means of investment and business development need to be maximized by various parties.
Abstrak: Implikasi Pendanaan dan Pembiayaan Syariah untuk Akselerasi Perekonomian Indonesia di Awal Pandemi.
Tujuan: Menganalisis implikasi funding dan financing perbankan syariah dalam mendorong laju perekonomian Indonesia.
Metode: Kuantitatif dan dianalisa dengan regresi data panel.
Hasil: Funding dan Financing perbankan yariah berimplikasi nyata terhadap pertumbuhan ekonomi Indonesia dengan indikator Produk Domestik Bruto
Kebaruan: Mengaitkan situasi pandemi Covid dalam analisa topik penelitian
Kontribusi: Penelitian ini mempertegas implikasi positif Funding maupun Financing perbankan syariah bagi laju perekonomian Indonesia, oleh sebab itu segala upaya termasuk sosialisasi kepada masyarakat untuk menggunakan bank syariah sebagai sarana investasi dan pengembangan bisnis perlu dimaksimalkan oleh berbagai pihak.
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Copyright (c) 2023 Megy Rusianto, Reny Fitriana Kaban, Zurlina Lubis
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
- Saragih IS, Irawan. Peran Perbankan Syariah Dalam Mendorong Laju Pertumbuhan Ekonomi Indonesia. Kitabah 2019;3:1–20.
- Sugianto, Yafiz M, Khairunnisa A. Interaksi Investasi, Dana Pihak Ketiga dan Pembiayaan Perbankan Syariah Terhadap Pertumbuhan Ekonomi di Sumatera Utara. J Ilm Ekon Islam 2021;7:1091–100. https://doi.org/10.29040/jiei.v7i2.2601.
- Ningsih S. Pengaruh Dana Pihak Ketiga Perbankan Konvensional Dan Dana Pihak Ketiga Perbankan Syariah Terhadap Pertumbuhan Ekonomi Indonesia. J Masharif Al-Syariah J Ekon Dan Perbank Syariah 2020;5:22–42. https://doi.org/http://dx.doi.org/10.30651/jms.v5i1.4174.
- Badan Pusat Statistik. Produk Domestik Bruto. BPS 2020:1–50.
- Kenza M, Eddine GNS. The Effect of the Financial Sector development on Growth: The case of the MENA Countries. Arab Econ Bus J I 2016;11:72–85. https://doi.org/https://doi.org/10.1016/j.aebj.2016.03.003.
- Tongurai J, Vithessonthi C. The impact of the banking sector on economic structure and growth. Int Rev Financ Anal 2018;56:193–207. https://doi.org/https://doi.org/10.1016/j.irfa.2018.01.002.
- Dermawan D, Suseno BD. Islamic Bank Asset Growth : Predictive Assessment Toward. JEBIS J Ekon Dan Bisnis Islam 2021;7:267–88. https://doi.org/10.20473/jebis.v7i2.26732.
- Aldalaien BA. The Impact of Islamic Banks on the Gross Domestic Product ( GDP ): An Empirical Study in Dubai. Int J Bus Manag 2019;14:135–42. https://doi.org/10.5539/ijbm.v14n4p135.
- Boukhatem J, Moussa F Ben. The effect of Islamic banks on GDP growth: Some evidence from selected MENA countries. Boursa Istanbul Rev 2018;8:231–47. https://doi.org/https://doi.org/10.1016/j.bir.2017.11.004.
- Salman A, Nawaz H. Islamic financial system and conventional banking: A comparison. Arab Econ Bus J I 2018;13:155–67. https://doi.org/https://doi.org/10.1016/j.aebj.2018.09.003.
- Hidayat S, Irwansyah R. Pengaruh Dana Pihak Ketiga dan Pembiayaan Perbankan Syariah terhadap Pertumbuhan Ekonomi Indonesia. J Masharif Al-Syariah J Ekon Dan Perbank Syariah 2020;5:1–21. https://doi.org/http://dx.doi.org/10.30651/jms.v5i1.4175.
- Harrieti N, Ahmad AA, Sandra E, Utarie F. Now and Forward : Customer Deposit Insurance of Sharia Bank in Indonesia. Udayana J Law Cult 2023;7:159–77. https://doi.org/10.24843/UJLC.2023.v07.i02.p03.
- Tripuspitorini FA. Pengaruh Faktor Makroekonomi Terhadap Pertumbuhan Dana Pihak Ketiga Pada Bank Umum Syariah di Indonesia. J Ris Akunt Dan Keuang 2020;8:121–32. https://doi.org/10.17509/jrak.v8i1.20228.
- Bank Indonesia. Laporan Ekonomi & Keuangan Syariah Indonesia 2020. Bank Sent Republik Indones 2020.
- Miah MD, Udin H. Efficiency and stability: A comparative study between islamic and conventional banks in GCC countries. Futur Bus J 2017;3:172–85. https://doi.org/https://doi.org/10.1016/j.fbj.2017.11.001.
- Harahap S, Wiroso, Yusuf M. Akuntansi Perbankan Syariah. 3rd ed. Jakarta: LPFE Usakti; 2009.
- Fitri M. Peran Dana Pihak Ketiga Dalam Kinerja Lembaga Pembiayaan Syariah Dan Faktor-Faktor Yang Memengaruhinya. Econ J Ekon Islam 2016;7:73–95. https://doi.org/https://doi.org/10.21580/economica.2016.7.1.1033.
- Otoritas Jasa Keuangan. Statistik Perbankan Syariah. OJK 2020:1–50.
- Sutrisno S, Widarjono A. Is Profit – Loss-Sharing Financing Matter for Islamic Bank ’ s. Risks 2022;10:1–12. https://doi.org/https://doi.org/10.3390/ risks10110207.
- Nirwana LP, Septiarini DF. Pengaruh Pertumbuhan Dana Pihak Ketiga Terhadap Laba Perbankan Syariah di Indonesia. J Ekon Syariah Teor Dan Terap 2015;2:642. https://doi.org/https://doi.org/10.20473/vol2iss20158pp642-657.
- Azhari AR, Wahyudi R. Analisis Kinerja Perbankan Syariah di Indonesia : Studi Masa Pandemi Covid-19. J Ekon Syariah Indones 2020;10:96–102.
- Nurjannah I. Pengaruh Dana Pihak Ketiga Dan Pembiayaan Perbankan Syariah Terhadap Pertumbuhan Produk Domestik Bruto Di Indonesia. J Ekon Syariah STAIAn Nadwah Kuala Tungkal 2021;4:1–13. https://doi.org/https://ejournal.an-nadwah.ac.id/index.php/almizan/article/view/255.
- Baehaqi HN, Cahyono EF. Pengaruh Pembiayaan Perbankan Konvensional Dan Pembiayaan Perbankan Syariah Terhadap Pertumbuhan Ekonomi Di Indonesia Pada Tahun 2008-2018. J Ekon Syariah Dan Terap 2019;6:1272–86. https://doi.org/10.20473/vol6iss20196pp1272-1286.
- Sugiyono. Metode Penelitian Kuantitatif, Kualitatif dan R&D. In: Sutopo, editor. 2nd ed., Bandung: ALFABETA; 2019.
- Harahap S, Wiroso, Yusuf M. Akuntansi Perbankan Syariah. (3rd ed.). Jakarta: LPFE Usakti; 2009.
- Hasyim LTU. Peran Perbankan Syariah Terhadap Pertumbuhan Ekonomi Sektor Riil di Indonesia. J Akunt 201AD;8:11–27. https://doi.org/https://doi.org/10.26740/jaj.v8n1.p11-27.
- Munandar A. Analisis Regresi Data Panel pada Pertumbuhan Ekonomi di Negara-Negara Asia. Ekon Glob Masa Kini 2017;8:59–67.
- Nandita DA, Alamsyah LB, Jati EP, Widodo E. Regresi Data Panel untuk Mengetahui Faktor-Faktor yang Mempengaruhi PDRB di Provinsi DIY. Indones J Appl Stat 2019;2:42. https://doi.org/https://doi.org/10.13057/ijas.v2i1.28950.
- Haryati SR. Peran Perbankan Syariah Terhadap Pertumbuhan Ekonomi Insonesia. Indo Islam 2014;24:47–55.
References
Saragih IS, Irawan. Peran Perbankan Syariah Dalam Mendorong Laju Pertumbuhan Ekonomi Indonesia. Kitabah 2019;3:1–20.
Sugianto, Yafiz M, Khairunnisa A. Interaksi Investasi, Dana Pihak Ketiga dan Pembiayaan Perbankan Syariah Terhadap Pertumbuhan Ekonomi di Sumatera Utara. J Ilm Ekon Islam 2021;7:1091–100. https://doi.org/10.29040/jiei.v7i2.2601.
Ningsih S. Pengaruh Dana Pihak Ketiga Perbankan Konvensional Dan Dana Pihak Ketiga Perbankan Syariah Terhadap Pertumbuhan Ekonomi Indonesia. J Masharif Al-Syariah J Ekon Dan Perbank Syariah 2020;5:22–42. https://doi.org/http://dx.doi.org/10.30651/jms.v5i1.4174.
Badan Pusat Statistik. Produk Domestik Bruto. BPS 2020:1–50.
Kenza M, Eddine GNS. The Effect of the Financial Sector development on Growth: The case of the MENA Countries. Arab Econ Bus J I 2016;11:72–85. https://doi.org/https://doi.org/10.1016/j.aebj.2016.03.003.
Tongurai J, Vithessonthi C. The impact of the banking sector on economic structure and growth. Int Rev Financ Anal 2018;56:193–207. https://doi.org/https://doi.org/10.1016/j.irfa.2018.01.002.
Dermawan D, Suseno BD. Islamic Bank Asset Growth : Predictive Assessment Toward. JEBIS J Ekon Dan Bisnis Islam 2021;7:267–88. https://doi.org/10.20473/jebis.v7i2.26732.
Aldalaien BA. The Impact of Islamic Banks on the Gross Domestic Product ( GDP ): An Empirical Study in Dubai. Int J Bus Manag 2019;14:135–42. https://doi.org/10.5539/ijbm.v14n4p135.
Boukhatem J, Moussa F Ben. The effect of Islamic banks on GDP growth: Some evidence from selected MENA countries. Boursa Istanbul Rev 2018;8:231–47. https://doi.org/https://doi.org/10.1016/j.bir.2017.11.004.
Salman A, Nawaz H. Islamic financial system and conventional banking: A comparison. Arab Econ Bus J I 2018;13:155–67. https://doi.org/https://doi.org/10.1016/j.aebj.2018.09.003.
Hidayat S, Irwansyah R. Pengaruh Dana Pihak Ketiga dan Pembiayaan Perbankan Syariah terhadap Pertumbuhan Ekonomi Indonesia. J Masharif Al-Syariah J Ekon Dan Perbank Syariah 2020;5:1–21. https://doi.org/http://dx.doi.org/10.30651/jms.v5i1.4175.
Harrieti N, Ahmad AA, Sandra E, Utarie F. Now and Forward : Customer Deposit Insurance of Sharia Bank in Indonesia. Udayana J Law Cult 2023;7:159–77. https://doi.org/10.24843/UJLC.2023.v07.i02.p03.
Tripuspitorini FA. Pengaruh Faktor Makroekonomi Terhadap Pertumbuhan Dana Pihak Ketiga Pada Bank Umum Syariah di Indonesia. J Ris Akunt Dan Keuang 2020;8:121–32. https://doi.org/10.17509/jrak.v8i1.20228.
Bank Indonesia. Laporan Ekonomi & Keuangan Syariah Indonesia 2020. Bank Sent Republik Indones 2020.
Miah MD, Udin H. Efficiency and stability: A comparative study between islamic and conventional banks in GCC countries. Futur Bus J 2017;3:172–85. https://doi.org/https://doi.org/10.1016/j.fbj.2017.11.001.
Harahap S, Wiroso, Yusuf M. Akuntansi Perbankan Syariah. 3rd ed. Jakarta: LPFE Usakti; 2009.
Fitri M. Peran Dana Pihak Ketiga Dalam Kinerja Lembaga Pembiayaan Syariah Dan Faktor-Faktor Yang Memengaruhinya. Econ J Ekon Islam 2016;7:73–95. https://doi.org/https://doi.org/10.21580/economica.2016.7.1.1033.
Otoritas Jasa Keuangan. Statistik Perbankan Syariah. OJK 2020:1–50.
Sutrisno S, Widarjono A. Is Profit – Loss-Sharing Financing Matter for Islamic Bank ’ s. Risks 2022;10:1–12. https://doi.org/https://doi.org/10.3390/ risks10110207.
Nirwana LP, Septiarini DF. Pengaruh Pertumbuhan Dana Pihak Ketiga Terhadap Laba Perbankan Syariah di Indonesia. J Ekon Syariah Teor Dan Terap 2015;2:642. https://doi.org/https://doi.org/10.20473/vol2iss20158pp642-657.
Azhari AR, Wahyudi R. Analisis Kinerja Perbankan Syariah di Indonesia : Studi Masa Pandemi Covid-19. J Ekon Syariah Indones 2020;10:96–102.
Nurjannah I. Pengaruh Dana Pihak Ketiga Dan Pembiayaan Perbankan Syariah Terhadap Pertumbuhan Produk Domestik Bruto Di Indonesia. J Ekon Syariah STAIAn Nadwah Kuala Tungkal 2021;4:1–13. https://doi.org/https://ejournal.an-nadwah.ac.id/index.php/almizan/article/view/255.
Baehaqi HN, Cahyono EF. Pengaruh Pembiayaan Perbankan Konvensional Dan Pembiayaan Perbankan Syariah Terhadap Pertumbuhan Ekonomi Di Indonesia Pada Tahun 2008-2018. J Ekon Syariah Dan Terap 2019;6:1272–86. https://doi.org/10.20473/vol6iss20196pp1272-1286.
Sugiyono. Metode Penelitian Kuantitatif, Kualitatif dan R&D. In: Sutopo, editor. 2nd ed., Bandung: ALFABETA; 2019.
Harahap S, Wiroso, Yusuf M. Akuntansi Perbankan Syariah. (3rd ed.). Jakarta: LPFE Usakti; 2009.
Hasyim LTU. Peran Perbankan Syariah Terhadap Pertumbuhan Ekonomi Sektor Riil di Indonesia. J Akunt 201AD;8:11–27. https://doi.org/https://doi.org/10.26740/jaj.v8n1.p11-27.
Munandar A. Analisis Regresi Data Panel pada Pertumbuhan Ekonomi di Negara-Negara Asia. Ekon Glob Masa Kini 2017;8:59–67.
Nandita DA, Alamsyah LB, Jati EP, Widodo E. Regresi Data Panel untuk Mengetahui Faktor-Faktor yang Mempengaruhi PDRB di Provinsi DIY. Indones J Appl Stat 2019;2:42. https://doi.org/https://doi.org/10.13057/ijas.v2i1.28950.
Haryati SR. Peran Perbankan Syariah Terhadap Pertumbuhan Ekonomi Insonesia. Indo Islam 2014;24:47–55.